Building Your Financial Plan Part 3 – Budgets and Cash Flows

This is the 3rd post in building out a proper personalized financial plan. Budgets and cash flows are one of the most important determinants to a sound plan since your spending determines a number of the inputs we will calculate around retirement needs, insurance and savings requirements. Tracking Your Spending and Creating A Budget The first step to saving is to understand where your money goes. The bad news is that if you have never done a budget, the first

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