Our finances are always a work in progress. No matter who you are or how much money you have, life

happens. Money will come, and it will go - money is always in motion, just as our lives are in motion and

continually changing. We get married. We have families. Our families grow up. We grow older. We retire. We

are consumers at every stage. Our wants and our needs continually change. We make smart decisions with our

money, and we make those we later regret. We learn from both our successes and our regrets

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