I had a question about the 25x rule. How do I take into account the ever changing budget I’ll have over the next decade or so when figuring out my budget. (E.g I currently live with my family and paying off student loans. However I plan to move out one day and have a family of my own)
Welcome @Aisha_Said!
Well… I don’t think you really need to worry about the 25X rule right now. I think you should set more short/medium term goals of getting out of debt, growing your career, begin investing, etc.
Once you’re a few more years down the road I think your budget will start to stabilize and your net worth will start to grow. At that point, I think it will be a lot easier to look at those numbers and see when you’re on pace to retire. In the meantime, get out of debt! 
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