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On the other hand, if you are having a hard time of making your own financial plan, then you can ask a financial advisor to help you do one. On the other hand, make sure to find a reliable and effective one since this is your money and future financial status that we are talking about. You can find one on the internet. Make use of the reviews and testimonials for you to find the right one. Here is a crash course on money and finance: https://youtu.be/Dugn51K_6WA