How can you estimate realistic monthly savings targets within a budget?

• A. Start with essential needs, set explicit savings goals, apply 50/30/20 or zero-based budgeting, and adjust discretionary spending.
• B. Focus solely on paying debt and ignore savings.
• C. Set savings as a fixed percentage without considering needs.
• D. Wait until end of month to see if anything is left for savings.

Answer: (A)