What is the 20:30:30:20 Diwali bonus split rule?

The 20:30:30:20 Diwali bonus split rule is a guideline suggested by airpay money CEO Kumar Binit to help individuals manage their festive spending using Diwali bonuses. According to it, 20% should be used for festive spending, 30% for emergency savings, 30% for debt repayment and the remaining 20% for investments. However, the actual allocation may vary based on individual needs.