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This is not to say that it’s ever too late to start saving. If you get a late start (and the majority
of savers do), you can still save enough to reach your financial goals. Those who start to save
later in life have to save a bit more, but they can still enjoy a secure financial future.

In this module, we will take a close look at both your present financial situation as well as
your plans for the future. We will cover the basics of what you need to know to be financially
competent and live within your means. We will work to assess your current financial state,
discuss how to create and use a budget, examine how to set goals and achieve them, and
explain why an emergency fund is a must. We conclude the module with a look at how to
make your money work for you, how to plan for retirement, and how to take advantage of
investing sooner rather than later.

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