Adulting 101: A Guide to Personal Finance

Page 92

The Shovels The shovels represent the experts who have the training and experience to guide you through the ongoing process of most efficiently filling and emptying the buckets at the right time. Right now, you probably don’t need to worry

much about having advisors, but as you get older, and start to accumulate more “stuff”, you’ll need knowledgable people who can help you manage it all so you don’t make costly mistakes. The shovels are:

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