There are so many aspects to financial planning people often struggle to know where to start which leads to never starting!
We use four broad categories: running a surplus, heading off disasters , making debt work for you (not against) and saving and investing.
This is based on Maslows Hierarchy of Needs. If we dont get the basics in place and rush off to invest , disasters happen and blow up our investment plans and we are back to square one.
Net Worth Management is the art of making the most of what you have.
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