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A good financial plan is a road map that shows us exactly how the choices we make today will affect our future.

Have a well-thought financial plan that is not dependent upon correctly guessing what will happen in the future.

Smart financial planning - such as budgeting, saving for emergencies, and preparing for retirement - can help households enjoy better lives while weathering financial shocks. Financial education can play a key role in getting to these outcomes.

People with financial plans are much more likely to feel prepared, even in tumultuous times. They're more likely to feel that their dreams and goals are secure. And, oh yes, they do actually save significantly more.

I see good personal financial management as setting - and keeping - a budget.

Thoughtful financial planning can easily take a backseat to daily life.

The best advice that I can offer is that being proactive and a careful planner is key. Think about the major things that could shake up your financial life, and I'll bet there are some great ways to protect yourself.

At LearnVest, we're working to make financial planning both accessible and affordable so that everyone has the opportunity to get on track financially.

We're providing planning to a huge audience who's never had access to financial planners before. This was always my plan for LearnVest. It was in my very first pitch deck.

I never remember having a plan. All I could think about was how I was going to afford to get into college or where I was going to stay because I hated being at home. I didn't really have time to think about anything in the future. I didn't think about a career or anything. I went to uni, got a couple of jobs, so I sort of funded it myself.