• The HSR 50-20-20-10 Method
  • The HSR 50-20-20-10 Method
  • The HSR 50-20-20-10 Method
  • The HSR 50-20-20-10 Method
  • The HSR 50-20-20-10 Method
  • The HSR 50-20-20-10 Method
  • The HSR 50-20-20-10 Method
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The HSR 50-20-20-10 Method

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Welcome to the HSR 50-20-20-10 Method! 

Forget what you’ve been told about money! Women control 85% of consumer spend, yet get 2% of VC funding and are constantly told they’re bad at managing money. We are from the generation that’s been told you’ll never get ahead because you’re eating avocado toast and drinking Starbucks....I mean, that’s ridiculous. I've always been an advocate for investing in yourself, the point of life is not just to work, eat, survive.

The HSR 50-20-20-10 Method is the Maggie Sellers proprietary budgeting philosophy that empowers women to not have to sacrifice the things we all desire - having avocado toast, getting your hair blown out, nails done - but without completely derailing your financial security, savings and your goals. It is your simple, yet effective guide to make sure you are investing in yourself throughout this crazy journey we call life to become the hottest, smartest, richest version of yourself. After all, the most important investment you'll make in this life is in yourself.

This workbook and budgeting template will help you understand your needs and saves, make smart choices about your desires, and set goals to invest in yourself! 
    The HSR 50-20-20-10 Method
    The HSR 50-20-20-10 Method
    The HSR 50-20-20-10 Method
    The HSR 50-20-20-10 Method
    The HSR 50-20-20-10 Method
    The HSR 50-20-20-10 Method
    The HSR 50-20-20-10 Method

    What's The 50-20-20-10 Method?

    Rewrite the Rules. Build Your Rich Life on Your Terms.

    Forget boring budgets and guilt-trips over coffee. The 50-20-20-10 Method is the Hot Smart Rich approach to money—designed by women who know how to balance ambition, beauty, and building wealth. This is the budget that doesn’t tell you to sacrifice your blowouts or your dreams. It tells you to invest in both.

    Unlike traditional frameworks, this method adds the one thing every successful woman actually needs:

    ✨ A built-in category for investing in yourself.

    You’ll divide your after-tax income into four intentional categories:

    • Rent, food, transportation, insurance, etc.
    • Emergency fund, debt payoff, retirement, assets.
    • Pilates, facials, that oat milk latte you love.
    • Classes, memberships, side hustles, angel investing—the things that grow you.

    This isn’t “girl math.” It’s real financial strategy made for women who want to build their version of success—without sacrificing the little luxuries that bring them joy.

    Testimonials

    "I didn’t just learn how to budget. I learned how to invest in myself."

    Before the 50-20-20-10 Method, I thought budgeting meant deprivation. Like I had to cut out the lattes and cancel my Pilates classes to be financially ‘responsible.’ But HSR flipped that on its head. Now I prioritize my Desires and my Goals. I’m investing in my career growth, saving for my Roth, and still booking my monthly facial, without guilt. It’s not just numbers on a spreadsheet. It’s a mindset shift that made me feel powerful, not punished.

    Jasmine E.

    "The 10% rule gave me permission to go after the life I actually want."

    I always told myself I’d “invest in myself later”, after the rent, the bills, the emergencies. HSR taught me that investing in myself isn’t optional, it’s essential. I finally booked the UX design course I’d been eyeing for years and joined a membership group that’s already led to three new career connections.

    Lena M.

    "I stopped feeling guilty about my Botox, and started tracking my equity."

    Before HSR, I was obsessed with budgeting the ‘right’ way. Then I realized: my desires matter too. I don’t have to give up what makes me feel good to be ‘good with money.’ Now I have a system that celebrates both: my quarterly Botox and my growing investment portfolio. I’m building wealth and I’m still the hottest girl in the room.

    Carly S.

    "HSR made me feel like a founder of my own life."

    I’ve never thought of myself as an entrepreneur, but when I started treating my life like a business, with a budget, vision board, and intentional goals, I realized I am building something. With the HSR framework, I mapped out a plan to launch my consulting side hustle and set up an emergency fund for the first time ever. This method doesn’t just teach money, it teaches momentum.

    Lisa R.

    FAQs

    What is The HSR 50-20-20-10 Method?

    The HSR 50-20-20-10 Method is the first drop of many workbooks/self development/productivity tools that live underneath the HSR Money Mindset.

    The 50-20-20-10 Method is broken down into the workbook and the budget planner. 

    How do I download it?

    Upon confirming your payment, a confirmation email with a download link will be sent to your provided email address. Please make sure you enter your correct email in your checkout! Here's a step-by-step guide for downloading:

    1. Click on the provided download link in the confirmation email.
    2. Choose to download the PDF using your desktop computer, mobile phone, or tablet.
    3. If the confirmation email doesn't arrive within approximately 30 minutes, check your spam folder and promotions tab.

    Facing issues? Feel free to reach out to HSR customer service for assistance with your purchase and confirm the name and email that should be associated with the order. Please be sure to include a link to the digital product you purchased.

    What will I need to use it?

    • A Free Google account
    • A Free Canva account, if desired

    Is there a limit to the number of times I can download the digital product?

    No, currently there is no limit to the number of times you can download the Guide using the link provided. Please keep in mind distribution or resale of the Guide violates our terms and conditions and can lead to legal action.

    I thought this was a digital product. Why am I being asked for my address?

    You're right! This is a digital product and we don't ship anything to you! We do need your address information for billing purposes!