Albuquerque, NM: $43,895 

Income needed: $43,895

50 percent for necessities: $21,947

30 percent for discretionary spending: $13,168

20 percent for savings: $8,779

The median income in Albuquerque is $47,413, which gives residents almost $300 extra a month ($3,518 a year) beyond the amount needed to comfortably follow a 50-30-20 budget.