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Lol, financial planning
1. Decide on minimum liquid savings, 1 yr, 2yr, etc.
2. No consumer debt
3. Decide how much you need to save/invest annually for college, retirement, etc. to meet your goals.
4. Be sure risks are insured, as necessary, including disability and LTC.
5. Be sure you have enough for monthly non discretionary spending.
6. Enjoy life after 1-5.
Over simplified, but essentially what works.