In managing a budget in an economy that is constantly rotating or unstable, at least we have additional income. Even if there is none, we must learn to manage our finances well and must have an emergency fund and must have investments. There may be many strategies depending on ourselves, but what is certain is that we must change bad habits to be more disciplined in managing finances.
Actually, there is no need to calculate the percentage, just determine how much the monthly consumption budget is. The rest is all invested. The greater the income, the greater the investment value, so you must have long-term and short-term savings so that assets continue to grow for your finances when economic conditions are uncertain.
The point is, stay away from debt, especially debt that is consumptive in nature. Because people who do not have debt are unlikely to go bankrupt (So be careful about debt).
This is why I am investing as much as I can afford to, because in terrible economic situations when you have something you can fall back on, could be a great situation. For the past 3 years I had to deal with something similar, I am doing much better now thankfully, I have very very little credit card debt (like just 100 bucks or so left maybe 200) and this came down from having 12k dollars debt one time at the peak, we had to sell some stuff to pay that.
But, I had bitcoin investments so I got to pay it very well, and my boss is a lovely person who helped me along the way so I am doing much better right now. Always have investments into bitcoin so that when things are looking bad then you will have a chance to make some good profit. I believe the best thing to do in this case would be making sure you are dealing with a good return and you could make some good money with it. I think the results will show itself and while everyone else is in trouble, you will not be.
You need to remember that investing can make you a significant amount of money but it can also make you lose money, there is no guarantee that investing will always be profitable. In my opinion, instead of focusing most of our money on investing, we should balance money in our lives. We also need to have one or two emergency savings in addition to investments. What if our investment fails and we lose money? Have you thought about that?
Bitcoin is the most potential investment today and we all believe that its value will increase over time. But to be fair, we have no guarantee that prices will always rise and always be profitable so always balance things out and always have a backup plan in life.
My life has improved a lot thanks to my bitcoin investment, but I wouldn't let my life depend too much on it or anything else, I like diversity and always have a backup plan because anything can happen.