One of the most frequent questions I get asked is, “How much should I be spending on… dining out, groceries, clothes, entertainment, etc.” 

We, as humans, like easy answers and the Internet is filled with pie charts stating how much you should be spending on various categories from housing to entertainment.   

However, if everyone abided by those pie charts, very few people would be living in places such as the San Francisco Bay Area (where I recently moved from) or Manhattan because it takes too much “pie” to live there.