Not All Bank Accounts Are Created Equal The aforementioned formula for figuring out your discretionary expenses budget is fairly standard. But Jacqueline Ko Matthews -- who got her career started working on Wall Street and has since founded PJMint.com, an investing tool that brings big investment ideology to the average person -- says that there isn't a single system that works for everyone. "Someone could be single, making $60,000 with no kids. Another person making $60,000 could be the sole provider trying to raise two kids. Another woman could be making $60,000, but she's married to someone who's the main breadwinner, so it's money she can spend any way she wants."
The key, she says, is striking a balance between looking and feeling good and being financially responsible.
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