Every aspect of your financial world should be a part of your financial plan. Your plan should not be limited to just saving for retirement. You may need to incorporate other areas such as saving for your children's college, debt elimination, the what if's of unexpected disability, long-term care needs, or premature death, as well as a host of other things that fit into your life. Planning for these life events should not be a daunting task once you make the decision to address them. As human beings, we tend to procrastinate and put off these type of things for all kinds of reasons whether they be out of fear, complacency, or avoidance. Your financial plan should not be one of those things that gets put off year after year. Simply put, those that know what they have tend to fair better than those that don't.

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