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Do you have clear financial goals? Do you know if you have enough money to buy a car or house, if you can afford to take a cut in pay in order to go back to school, if you will have enough money to retire? Do you know how much tax you will be expected to pay this year and next, or what you might be able to do right now that will lower your tax long into the future? Do you have enough insurance? Have you developed a household budget and are you sticking to it?