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Over the past 18 months, Americans have faced uncertainty surrounding work and health, forcing many to put planning and savings to the side. No matter your income, building a budget will help you get a clear picture of where your money is going. Are you spending too much on certain discretionary items? Is there the potential to put more money into savings and retirement? It can be difficult to get a handle on where money is flowing, but a budget can simplify that process.

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