How to Beat Inflation & Build Wealth | 75/15/10 Money Plan Explained

Discover how to beat inflation and grow your wealth with the powerful 75/15/10 money plan. 

Learn practical budgeting, smart investing, and disciplined saving strategies to protect your future from rising prices. 

This covers opening the right bank accounts, automating savings, and investing consistently for 10 years to achieve financial freedom. 

Perfect for beginners wanting long-term wealth building, debt-free living, and simple financial habits that work in any economy.

The 75/15/10 Money Plan

“Is there a way to get rich?”
Without hesitation, I said, “Yes.”

The person who asked was shocked. I continued:
“Learn how to beat inflation.”

They didn’t look convinced—so I broke it down for them.

Why Inflation is Your Silent Enemy

Imagine you earn Rs. 1,000 per month:

  • Spend it all → You survive, but stay trapped in the paycheck-to-paycheck cycle.
  • Spend Rs. 1,100 → You fall into debt (credit cards, high-interest loans).
  • Spend Rs. 900 → You create a surplus—your weapon against inflation.

That surplus is what builds your financial freedom.

The 75/15/10 Money Plan

The rule is simple:

  • 75% → Needs & Wants
  • 15% → Long-Term Investments
  • 10% → Emergency Savings

✅ Enjoy your present
✅ Grow your future wealth
✅ Protect yourself from the unexpected

How to Make It Work

Step 1 — Open 3 Bank Accounts

  • Account A: Income account (salary goes here).
  • Account B: Investment account.
  • Account C: Emergency savings account.

Step 2 — Automate Transfers

  • On payday, transfer 15% from Account A to B, and 10% from A to C.
  • Use a fixed amount for simplicity.

Step 3 — Invest Consistently

  • Best: Start your own business (more effort, higher return).
  • Easier: Invest in stocks steadily.

Step 4 — Commit for 10 Years

  • Treat it like a daily prayer—never skip.

Adjusting the Ratio

Can’t do 75/15/10? Adjust it—but never go to 100/0/0. Even 90/5/5 is better than nothing.

Your money, your life, your future.

Final Word

Inflation will always be there.
Being its victim is your choice.

Start now. Stay disciplined. Watch your wealth grow.
Ten years from today, you’ll thank yourself.



Pro Tip: Start early—compound growth turns small monthly savings into a fortune over time.

If you found this useful, share it with someone you care about. The best gift you can give is financial knowledge.

Read more here.

Location: Makumbura, Pannipitiya, Sri Lanka

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