
How to know how much I can invest while budgeting in future months?
I'm having a bit of an issue finding out how much of my paycheck I can invest (aka move to a tracking account inside YNAB) while still being a month (or more) ahead. I have budgeted pretty much everything up to January 2027 currently.
I have targets on everything and it looks like every month in the future they're higher than my salary. Am I living over my standards? I never do spend all my money that I assign to a category so there's still money being rolled over into the next month. My average spent over multiple months is also roughly 60% of my income. I semi-regularly go over my assigned money and use the "Reduce Overfunding" feature.
I'm just very much confused by the targets and how much money is being assigned to them.
Does anyone have any tips or experience on figuring out how much money can be set aside for investments or putting it towards retirement savings (3a pillar or similar)?
PS: Had to move in April + pay 40% of my Taxes as well as paying 30% of my Taxes in June.