Should I include savings and investments in my budget?

Yes, it is important to include savings and investments in your budget. Allocating a portion of your income towards savings and investments can help you achieve your financial goals, such as building an emergency fund, saving for a down payment on a home, or planning for retirement. It is recommended to aim to save at least 20% of your income, but any amount you can afford to save is better than nothing. When creating your budget, be sure to include a line item for savings and investments and consider automating your contributions to make it easier to stick to your plan.