Main Cause: The ease of digital transactions, the proliferation of online shopping promotions, and the paylater feature make it increasingly difficult for young urban workers to control their spending. As a result, the balance quickly runs out before the end of the month, even for those earning at or above the minimum wage.

Solution Formula 50-30-20: Introduced by Elizabeth Warren in the book All Your Worth, this method divides income from the start (not from the leftover money) so that every rupiah has a clear function.

50% Basic Needs: Includes expenses for food, transportation, housing/rent, routine bills, installments, and health insurance (such as BPJS/insurance) to anticipate sudden medical risks.

30% Lifestyle: Flexible allocation to enjoy life (such as digital subscriptions, hangouts, hobbies, and traveling) to avoid financial stress. The way to control it is by setting a weekly limit and applying the delay spending method (postponing purchases for 24–48 hours).

20% Savings & Investments: The foundation of long-term financial security for emergency funds (at least 3 months of expenses for singles or 6 months for families) and investment instruments.

Simulation for a Salary of Rp6 Million: 

- Basic needs: Rp3,000,000 

- Lifestyle: Rp1,800,000 

- Savings & investments: Rp1,200,000

Solution If It's Hard to Save: For those who find it difficult to set aside 20% due to limited income, it is recommended to seek additional income through freelance work or upskilling to increase the chances of a salary raise.