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Reply to "Is it ok not to have a financial plan?"
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[quote=Anonymous]We don't have a budget (like you, conservative spenders with no problems living within our means), but we have worked with a financial planner on retirement planning, to get a realistic sense of what we will need to retire and how much we need to be putting away every year to get there (for a lot of people, maxing out a 401k every year isn't enough).[/quote]
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