I made a budget plan for my daughter for Christmas - $400

I have a 23 year old daughter. She's really great and wonderful. However she spends money without thinking. She has never really made a plan for her budget. I'm a bit worried that she is currently living in a financial cycle of debt and I want to help to break that. So for Christmas I just made her a budget plan and I want to explain it to her while also going over my thinking in how I made it. Here's the budget plan that I made for her:<br><br>$70/day - $490/week - $2000/month<br>20% for entertainment - $100/week - $400/month<br>20% for clothes - $100/week - $400/month<br>15% for food - $75/week - $300/month<br>15% for hobbies - $75/week - $300/month<br>10% for travel (assuming twice a year) - $50/week - $200/month<br>10% for miscellaneous - $50/week - $200/month<br>10% for savings - $50/week - $200/month<br>10% for transportation savings - $50/week - $200/month<br>10% for experiences - $50/week - $200/month<br>10% for healthcare - $50/week - $200/month<br>5% for gym - $25/week - $100/month<br>5% for pet expenses - $25/week - $100/month<br>5% for subscriptions - $25/week - $100/month<br>5% for home decor - $25/week - $100/month<br>5% for expenses - $25/week - $100/month<br><br>I could put this in a spreadsheet but I wanted it to be more simple and easy to understand. The idea is that I want money in different categories so we see that she may be spending too much on one thing and not enough in another thing. I simply multiplied the amount of weeks for category for the monthly amount, because this will be easier to do that this way. <br><br><br>I want her to take into account that the amount of money that she makes per month will be the same amount of money that she has available to her that month. <br><br>I've also put together a list of expenses<br>Cable - $100<br>Internet - $100<br>Car insurance - $20<br>Phone bill - $50<br>Tuition - $500<br>School books - $500<br>Student loan - $100<br>Renter's insurance - $30<br>Rent - $800<br>Electricity - $100<br>Netflix - $30<br>Spotify - $20<br><br>I also want to talk about the categories and how people tend to group certain expenses. For example, how people tend to group car insurance and gas as transportation expenses. <br><br><br>Finally, I want to talk about a lot of the things that she just instinctively bought without thinking about. This may be a $10 bottle of nail polish or a $10 meal that she didn't have at her house. I want to ask her if she still has that nail polish, or if she thought twice before buying it. This may even be buying clothes, that she never wears. The goal is to get her to think about what she is buying in the future. <br><br>Am I overstepping if I just discuss this with her?