How much of your salary should you actually be saving every month? 10%? 20%? It's the most common question in personal finance, and it can be hard to know if you're on track.

In the first-ever episode of the Plouta Financial Wellness Podcast, we're joined by UK financial adviser Joshua Shepherd to give you a clear, practical framework. We break down the 50/30/20 rule, explain the difference between saving for an emergency and investing for your future, and provide a simple rule of thumb for your pension.