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...Chapter objective explain how you benefit from personal finance identify the key components of a financial plan planning affects your cash flows outline steps involved in developing copyright pearson education inc all rights reserved definitions process spending financing and investing to optimize situation that specifies goals describes plans are intended achieve those opportunity cost what give up as result decision an understanding make own decisions every has judge advice advisors informed become advisor many career opportunities available budgeting tax managing liquidity large purchases protecting assets income insurance money retirement estate for budget forecasting future expenses savings evaluate current position liabilities owe net worth value minus...