As you may have learned during your working days, 80% of results come from just 20% of actions. This concept, known as the Pareto Principle, can save you time, meaning you have more of it to enjoy during your retirement. You may have seen that 20% of customers accounted for 80% of profits in business. Or that 80% of expenses came from only 20% of items purchased. In your personal life, it's possible that you spend 80% of your…