there is surely nothing wrong in your explanation or your arrangement, anyone may still come up with his own table or arrangement since everyone i has the right to do what is best for them. but the main point is to spend your income or money wisely because no one will come to bail you out when you fuck up. we should try to prioritize the need before want because if we prioritize want instead of need then we are surely not following the right approach and it will lead to not making a wise investment. dont forget to put your money to work because the source of income is what really matter and not how to allocate it. the rich people prioritize putting their money to work. meaning that there money work for them not them working for their money. at least this should be given a major priority.