jean chatzky, finish rich dotcom founder david bach and carmen wong ulrich. from this, david, seems to be you have to be a little bit creative. you have a budget but you have to have a certain attitude. >> they're living rich. it's not just the money. when you look at 12 people in the family, by giving serious, as you say, they have to follow where the money was going. and they had to have a plan. and i think you don't have to wait to have 12 kids to have a plan. if you can do it with 12 people you can do it with two people. >> jean, what are the key components to a budget breaker? >> essentially it's a pie chart and you've got 35% of your money that goes for housing. 25% for daily living, 15% for transportation, 15% to repay your other debts like your student loans and your credit cards, and 10% for long-term savings. and my rule is that that 10% is set in stone. you can borrow from any other category to feed any of the others. >> carmen, in the housing, what's included in that? >> what's really important to know about the housing, this is your most importan

jaep chatzky, david bach, and ladies, you've got to see these socks david has on.pening socks. i like them. >> and carmen wong ulrich. you can catch carmen on "on the money" on cnbc saturday at 8:00 eastern. and if you have financial questions -- she's striking it right now. if you've got a financial question go to todayshow.com and let us know about it. still ahead, country star lee ann womack sings her heart out live from the heart of texas. but first, these messages. edit? perfect 10 -- the 10 minute phenomenon from nice 'n easy. rich color, stunning high gloss, and flawless gray coverage all in just 10 minutes. a breakthrough so big, it won the most awards from beauty editors they even say... "perfect 10 has forever changed our opinion of at-home color." has it changed yours yet? perfect 10. the 10 minute, high gloss color that changes everything. from clairol. with technology of the future. it's liquid-plumr foaming pipe snake. clears slow drains, cleans pipe walls. liquid-plumr foaming pipe snake. teamwork... time together... real conversations... and memorie