If the word “budget” makes your stomach twist, you’re not alone. For many, budgeting feels like a cage—cold, restrictive, and joyless. We imagine spreadsheets filled with numbers, guilt over morning coffee, and weekends spent watching every penny. But what if budgeting wasn't a prison… but a pathway to peace?
Let me take you back—far back—to the ancient city of Babylon, where wealth flowed like water for those who understood one simple truth: Money must be given purpose.
? The Mistake Most of Us Make ?
Most people live in what I call “reaction mode.” We earn money, pay bills, spend what's left, and maybe save a little—if anything remains.
It's no wonder financial stress is everywhere. We spend first, save later, and invest never.
But in ancient Babylon, the wealthiest merchants, builders, and scribes followed a different path. They believed in dividing every coin before it could vanish. Their wisdom? A timeless formula:
70% Lifestyle
10% Charity
10% Savings
10% Investments
This was known as The Four Fountains of Wealth.
And today, it can change your financial life too.
? Fountain 1: 70% for Lifestyle
This is the stream most of us already know—it’s your rent, food, transportation, clothes, phone bills, and Friday night fun.
But here’s what’s different:
Because you've already set aside your savings, giving, and investments... you can enjoy your 70% guilt-free.
No more second-guessing every expense. This is your life fund. Spend it with peace, not pressure.
Pro Tip: If your lifestyle is costing more than 70%, it’s not time to earn more—it’s time to adjust.
? Fountain 2: 10% for Charity
This is where many people hesitate.
“Why give when I’m still trying to build wealth?”
But here’s the secret: Giving is what breaks the scarcity mindset.
When you give, you send a clear message to your brain and the universe:
“I have more than enough. I live in abundance.”
Whether you’re supporting family, helping a friend, or donating to a cause, that 10% changes your spirit. It removes fear and invites prosperity.
? Fountain 3: 10% for Savings
This is your Peace-of-Mind Fund. Not your investment fund, not your vacation money. This is for the unexpected:
A broken car
A surprise medical bill
The chance to walk away from a toxic job
Savings give you breathing room—and options.
Wealth isn’t just about numbers. It’s about how free you feel. And nothing feels freer than knowing you're financially safe.
Aim to keep this in a high-interest savings account you can access when life throws curveballs.
? Fountain 4: 10% for Investments
If savings is your defense, investing is your offense. This 10% is your army of gold coins—working for you even while you sleep.
Whether it's:
Index funds
Real estate
Starting your own business
Buying assets that grow in value
...this is how you build true wealth.
You don't need millions to start. You just need consistency.
Even if it’s $50 a month, you’re planting seeds that grow into forests.
? Why This Works Better Than Traditional Budgets
Traditional budgets are rigid, draining, and often ignored.
But this system is different—it’s philosophical. It gives your money meaning.
You're not just saving—you’re protecting your peace.
You're not just giving—you’re unlocking abundance.
You're not just investing—you’re building a future beyond survival.
And by deciding this flow before the spending begins, you take control. You become the master—not the servant—of your money.
?? How to Start the 4 Rules of Wealth
Know your income.
Before you can divide anything, know what’s coming in.Split it instantly.
Set up automatic transfers or label cash envelopes for each category.Name your accounts.
Savings ? Peace Fund
Investments ? Wealth Engine
Charity ? Overflow Account
Lifestyle ? Joyful Living Fund
Track monthly.
Review. Refine. Repeat.Be patient.
Wealth doesn’t come overnight—but peace of mind can start this week.
? Download the “4 Rules of Wealth” Planner (Free)
To make this even easier, I created a simple one-page PDF to help you apply the 70/10/10/10 rule immediately.
Use it to plan your income flow, set your automation, and track your journey.
? https://abdullahikaka.com/wealth-secrets.pdf
? Final Thought: Money Without Purpose Gets Wasted
The wealthiest people don’t always earn the most.
They’re just the best at managing what they earn.
With the Four Fountains of Wealth, you’ll stop wondering where your money went—and start telling it exactly where to go.
So let me ask you, dear reader…
Which fountain will you begin with today?
Let me know in the comments below.
To your freedom,
– Abdullahi Kaka
