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Solow Model : KonsepThe Golden Rules of Saving � 1. Have a regular income stream � 2. Choose savings account(s) to fit your needs � 3. Pay yourself first � 4. Be. (c) The golden rule of saving is to pick s to maximize steady state per capita consumption. equals saving per capita. The Golden Rule savings rate is the rate of savings which maximizes steady state level or growth of consumption, as for example in the Solow growth model.