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Deciding where to put your money isn't always black and white, it depends on the goal.

A practical look at what financial planning can help you understand. It's a fair question. For some people, the words financial plan bring to mind a giant binder filled with charts, assumptions and numbers that will probably never be looked at again. But that really isn't the point of financial planning. A useful financial plan should help you answer some fairly normal questions:  Am I on the right track?  Can I afford to retire when I want to?  Am I saving enough, or perh