The Hidden Force Behind 50-50 Money Management Plan

money management plan
Written by Sean Collins

When it comes to money management plan and investing, you’ll hear a lot of different “strategies.” From risking not more than 2% of your effective to Tridents and options. Hardly any of these systems are relying on a basic human behavior and guiding principles of the monetary system and consumer’s society.

50-50 money management plan does.


What is 50-50 money management plan

In simple terms: use 50% of your income on current spending, while investing 50% in 5 different directions.

Those 5 different directions are:

  1. 10% in long-term, low-risk investments (e.g. Trident system)
  2. 10% in commodities (gold will always carry the value for example)
  3. 10% in short and long-term, medium to high-risk investments (not to be attempted on your own; consult!)
  4. 10% on personal education(!)
  5. 10% on charity

Charity, in this sense, does not mean that you’ll give someone $1000. Instead, you’ll connect charity work with your own progress.

That means that you’ll pass your knowledge and experience to your local or any other community of your immediate interest. You’ll make them more successful and they will respect your efforts.

Thus, 10% of charity fund is nothing more than your own personal marketing strategy. A great PR, with the ability to converge personal and global.

If that’s something you’d be interested in, of course.

The obvious problem with having only 50% at your direct disposal

How much is “only”?

If you make $10K per month, is $5K enough to sustain you until you start generating more? How about $100K per month and have $50K at your disposal?

It’s all relative.

Money is here only to make two things:

  1. To make more money
  2. To make your life easier

But if you make $9/hour, Monday to Friday, there is a more or less obvious problem with this strategy.

Or is there?

Let’s check the math for a second here

40 hours per week = $360. That means that you’ll be having $180 per week to spend on yourself.

That’s $25.71 per day because you must include Saturdays and Sundays, right?

That just sucks, doesn’t it?

But it is your financial reality nevertheless. You make shitty hourly wage and work only 40 hours a week. That’s your reality.

What about the rest of your time? What do you do for the next 8 hours after you come home from work? How much do you make?

One big fucking zero! You only spend if you have some.

And here lies the hidden benefit of forcing yourself to split your income 50/50.

You are forced to find the way to make more money.

A tendency that will grow into a habit in less than 60 days.

You’ll start one effective practice that most folks never even try: time management.

50-50 money management plan is a powerful motivator

This is your ordinary day:

  • You come home after a day at work
  • Grab something to eat
  • Rest for an hour
  • Spend the remaining time having R&R or doing something of your or someone else’s interest

And, let’s say that you’ve spent an hour on driving home and eating.

That still leaves you with 6 hours of open time before you hit the bed.

It’s the most common 8-8-8 day routine.

Is there something you could do to make more money during these 6 hours?

Sure. Start reading stuff beyond global politics, sports, and Facebook trivia. Start Googling for success. Focus on your closest interests and forge your skills. It won’t be long before you spot an opportunity – like the rest of us.

But it does speed the process if you manage to enforce 50-50 money management plan. Split every cent according to the proposed plan and you’ll see how brutally efficient it is.

CAVEAT: When investing, losses can exceed your incomes. So before you even think of allocating some of your money into stocks, bonds, indices or commodities, LEARN HOW IT’S DONE! Every other approach spells disaster. And one other thing: start with the proven brokerage service BEFORE you decide to play on your own. You’ve been warned.

In case you’ve been wondering, Ballz Magazine is not affiliated with We just consider them as the most viable source of investing-related information.

About the author

Sean Collins

An investigative journalist with the thing for business, confidence, societal, and human behavior topics. The straightforward guy with the opinion that doesn't always agree with the mainstream. We call him Choozo. Cuz he's picky. About freakin' everything.