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3% of liquid net worth budget rule
1 creator use or recommend it
▲ 1 active in the last 90 days
1 use
Last discussed Oct 16, 2026
A personal budgeting rule of keeping annual spending below 3% of liquid net worth so the money never runs out.
Recently discussed in
the 6 traits of people who can’t stop making money
Sam Parr · Oct 16, 2026
What creators say
Sam Parr
uses
Used for: Setting an annual personal spending budget
Praised: Peace of mind that the money won't ever run out
vs: Compared to Syed Balkhi's 'only spend the second derivative' rule
"My annual budget is less than 3% of my liquid net worth. And I do that because I can go to bed at night knowing that it won't ever run out."
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