Most people believe that they have a financial plan. They save consistently, invest where possible, and give some thought to retirement. Over time, these actions begin to take shape, creating a sense of progress and control.
On the surface, this seems sensible, but beneath that, many of these plans have a common weakness: they are not designed as an integrated whole.
Instead, what exists is a collection of well-intentioned decisions made at different points in time, often without a unifying structure. While this may not be immediately apparent, it becomes clear when those plans are under pressure.
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