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Goals and Planning Process
Our values are what we use to judge things as important or unimportant.  They are at the core of a good financial management plan.  You need to really understand your own values as you develop your goals - for financial management and for life.
The Planning Process
There are hundreds of approaches to planning.  The most important thing, however, is that you find one approach and work with it.  Here's a four-step model which should be helpful.
 
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