There are a lot of numbers floating around that people tell you you have to worry about. But the truth is, if you can stay our of debt and have an emergency fund, then you'll be better off than nearly everyone. Are you a victim of unexpected expenses? Everyone is. It never fails, as soon as you think you're getting ahead with money, something comes up. Life gets in the way. It happens to all of us.

More than 50% of the 50-somethings surveyed now say they won't be financially prepared for retirement. If you're 20-something and reading this, then let this be your wake-up call. You can never start too soon. The earlier you start, the better off you'll be, and you'll be grateful you won't have to work until about two minutes before you die.
The biggest mistake most people make in starting a business is that they mix personal funds with funds of the business. What a mess! So what does this have to do with personal financial planning? Everything. In a way, this rule should be applied to personal financial planning; yet most, if not all financial planners ignore it.
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