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Just remember that being self_employed means that you must also pay the self_employment tax, so include this in your calculations. The self_employment tax is double what you would pay in Medicare and Social Security taxes if you were employed.

An Example of the 50ቺተ Plan. Let's say your total take_home pay each month is ū귔. Using the 50┺┰ rule, you can spend no more than ũ껎 on your needs per month. You probably can't afford a ũ귔_a_month rent or mortgage payment, at least not unless your utilities, car payment, minimum credit card payments, insurance premiums, and other necessities of life don't exceed 趚 a month.

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