Because at 20 percent -- and that's a huge shift, from four to six to 20 percent -- but at 20 percent, you actually have the ability to save and to put money away and to take care of discretionary expenses.
Porque em 20%, e essa é uma grande mudança, de 4 a 6% para 20%, mas com 20%, dá para economizar dinheiro, gastar e cuidar de despesas arbitrárias.