The Pareto principle, also known as the 80:20 rule, states that in most areas of life, 20 percent of efforts produce 80 percent of the results. Personal finance is no exception! The 80-20 Money Makeover helps you achieve great long-term financial outcomes with the least effort. With the steps outlined in this book, you can focus on the critical few decisions (versus the trivial many) and transform your financial future. The evidence based simple frameworks will help you with different money decisions required at different levels. Furthermore, it will help you create an automated wealth creation system, which will require no more than a few hours of your time every six months.