A Simple Guide to Common Personal Finance Rules: From the 4% Rule to the 50/30/20 Rule

by Sam Owen

"A Simple Guide to Common Personal Finance Rules" is a straightforward, easy-to-understand book that breaks down essential personal finance principles into practical, actionable advice. It covers foundational topics like budgeting, saving, managing debt, investing, and planning for retirement. Each chapter introduces widely accepted financial rules—such as the 50/30/20 budgeting rule or the importance of emergency funds—and explains how to apply them in everyday life. Ideal for beginners, this guide helps readers build good money habits, make smarter financial decisions, and work toward long-term financial stability.

48 pages, Kindle Edition

Published August 15, 2025

About the author

I love helping people and have been coaching clients since 2012. I frequently work as a relationship expert and psychologist for mainstream media, particularly the BBC, and for big brands such as HSBC, Netflix, Bayer, Goldman Sachs, Cotton USA, and many more.

I am the published author of three popular self-help books on mental health and relationships: 'Resilient Me', 'Anxiety Free', 'Happy Relationships'; and have appeared on TV shows on all the major UK channels: BBC1, ITV, Channel 4 and Channel 5.

Working with clients all over the globe (including the UK, mainland Europe, America, the Middle East, Asia, and Africa), I’ve coached CEO’s, managing directors, small business owners, police staff, doctors, veterinarians, nurses, HR professionals, housewives, counsellors, corporate executives, ex-athletes, a renowned scientist, solicitors, and many more titles.

I’ve also delivered keynote speeches for 150 senior managers in NHS England, and spoken at TEDx Warwick, Red Smart Women Week, and more.

I sincerely hope I can help you too, whether through my books, coaching, or through other means. ❤️

For inspiration, motivation and free relationship and mental well-being advice:

Twitter: @samowencoaching

Facebook: /samowencoaching

Instagram: @samowencoaching

Blog: relationshipscoach.co.uk/blog

YouTube: https://www.youtube.com/c/SamOwenCoac...