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- Financial PlanningDebt is like a disease that starts small and can quickly spread through one’s entire life. For many people that are living paycheck-to-paycheck and lack an adequate savings plan, just one bump in the road can cause a complete breakdown. Unfortunately, most consumers do not have adequate knowledge about managing their money, as financial planning is not a subject that is typically taught in schools. A bit of homework on personal debt management and preparing a financial plan for the future can go a long way.