long term financial plan | Rowan Financial

Saving for Retirement – Does the 50-30-20 Rule Really Work?

How Much of My Paycheck Should I Save? The question, “How much of my paycheck should I save each month?” is probably on your mind when you think about saving for retirement. It’s a complex question that depends on many variables. And like many complex questions, it’s natural to look for rules of thumb to…

The 80 Percent Approach to Personal Financial Planning

By Dave Rowan

What Does a Dead Italian Guy Have to Do with My Personal Finances? I’m a big fan of the Pareto Principle. It is named after Italian economist Vilfredo Pareto and is also known as the “80/20 rule.” When observing commerce during the late 19th and early 20th century, Pareto noticed that 80% of an economy’s…

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