From Be Net Worthy …
The fundamental principles involved in achieving financial independence have been known since at least Babylonian times (The Richest Man in Babylon). Financial advisors and others in the financial services industry, however, would like you to believe that it is too complicated for regular people to understand. This is how they make their living.
Unfortunately for those selling financial expertise, most people can easily be their own financial advisor. Unless you are worried about multi-million dollar estates or have unusual circumstances, the math involved is very simple.
It just takes a couple of percentages and a couple of numbers to have the core of your financial plan laid out. Here they are.