{"id":12036,"date":"2022-06-03T00:07:27","date_gmt":"2022-06-02T18:37:27","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12036"},"modified":"2022-07-14T16:40:49","modified_gmt":"2022-07-14T11:10:49","slug":"importance-of-financial-planning","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/","title":{"rendered":"Importance of financial planning?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69ea92a4c1faf\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69ea92a4c1faf\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#How_does_financial_plan_benefit_you\" title=\"How does financial plan benefit you?\">How does financial plan benefit you?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Save_Money\" title=\"Save Money\">Save Money<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Enjoy_a_better_standard_of_living\" title=\"Enjoy a better standard of living.\">Enjoy a better standard of living.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Be_prepared_for_emergencies\" title=\"Be prepared for emergencies.\">Be prepared for emergencies.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Attain_peace_of_mind\" title=\"Attain peace of mind\">Attain peace of mind<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#What_are_financial_plans_for_life_goals\" title=\"What are financial plans for life goals?\">What are financial plans for life goals?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Wealth_creation\" title=\"Wealth creation\">Wealth creation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Retirement_planning\" title=\"Retirement planning\">Retirement planning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Childs_education\" title=\"Child&#8217;s education\">Child&#8217;s education<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Saving_tax\" title=\"Saving tax\">Saving tax<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#How_to_create_a_successful_financial_plan\" title=\"How to create a successful financial plan?\">How to create a successful financial plan?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Assess_your_current_financial_situation\" title=\"Assess your current financial situation\">Assess your current financial situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Prepare_a_written_financial_plan\" title=\"Prepare a written financial plan.\u00a0\">Prepare a written financial plan.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Look_at_the_different_investment_options\" title=\"Look at the different investment options.\">Look at the different investment options.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Implement_the_right_plan\" title=\"Implement the right plan\">Implement the right plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Monitor_your_financial_plan_regularly\" title=\"Monitor your financial plan regularly.\">Monitor your financial plan regularly.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Final_Word\" title=\"Final Word\">Final Word<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/ZgQaICITf1c\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In this video by HDFC Mutual Fund, you will learn why you must plan your finances at a young age. Do let us know in the comments section if you need any help in planning your financial goals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Your financial planning guides your lifetime journey. It helps keep track of income, expenses, and investments and allows you to manage your money. It goes without saying, you need an adequate amount of money at the right time to accomplish your goals and desires.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For instance, if you want to build up a corpus of Rs. 10 lakh for your daughter&#8217;s college education, you need to achieve this before she turns 18. Not one year later.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_does_financial_plan_benefit_you\"><\/span>How does financial plan benefit you?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are several practical benefits to financial planning. It helps you to:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Save_Money\"><\/span><span style=\"font-weight: 400;\">Save Money<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While you can save money without having a financial plan, it&#8217;s not an efficient or disciplined approach. Once you create a financial plan, you can understand your income and expenses in a better way. You can consciously track and reduce your costs, thus increasing your long-term savings.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Enjoy_a_better_standard_of_living\"><\/span><span style=\"font-weight: 400;\">Enjoy a better standard of living.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To pay off their monthly bills and EMIs, most people assume they will have to sacrifice their standard of living. In contrast, you would not have to compromise your lifestyle with an excellent financial plan. You can achieve your goals while living in relative comfort.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Be_prepared_for_emergencies\"><\/span><span style=\"font-weight: 400;\">Be prepared for emergencies.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Creating an emergency fund is an essential element of financial planning. Here, you must ensure that you have a fund equal to six months of your monthly salary. If something unexpected happens to you, such as a family emergency or a job loss, you will not have to worry about the lack of resources. An emergency fund will help you pay for these expenses till your situation normalizes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Attain_peace_of_mind\"><\/span><span style=\"font-weight: 400;\">Attain peace of mind<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The right amount of funds allows you to meet your monthly expenses, invest in your plans, and splurge a little for yourself and your family without worrying. Financial plan helps you manage your finances.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_financial_plans_for_life_goals\"><\/span>What are financial plans for life goals?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Financial planning is mandatory to survive anywhere, especially in India. It&#8217;s not simply about boosting your savings and cutting back on expenses. Financial plans encompasses so much more than that. It includes working towards your future goals, such as:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Wealth_creation\"><\/span><span style=\"font-weight: 400;\">Wealth creation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The cost of living is getting higher, which means if you want to maintain your current standard of living or improve it, you need to have a solid financial foundation. This may include buying a better car or a new house. This costs money, so it&#8217;s essential to focus on wealth creation. It is possible to achieve your financial goals by investing your money in the right places. <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\">Equity mutual funds<\/a> can be an excellent option for long-term purposes. These funds can help you build wealth over time.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Retirement_planning\"><\/span><span style=\"font-weight: 400;\">Retirement planning<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You don&#8217;t have to wait until you&#8217;re about to retire to start planning for it. The earlier you start, the better off you&#8217;ll be. By beginning planning right now, you can set yourself up for a comfortable retirement later. Investing early gives you the advantage of compounding, which can help you grow your savings over time.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Childs_education\"><\/span><span style=\"font-weight: 400;\">Child&#8217;s education<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The time to start planning for your child&#8217;s education is when they are born. By calculating how much you wish to earn and selecting long-term investment avenues, you can be successful. If you&#8217;re uncertain of how to proceed, seek out the advice of a financial advisor.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Saving_tax\"><\/span><span style=\"font-weight: 400;\">Saving tax<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do you know that there are legal ways to reduce the amount of taxes you pay every year? By taking advantage of the Indian Income Tax Act provisions, you can minimize your tax liability and retain a significant portion of your hard-earned money. One way to do this is to invest in mutual funds, which offer tax benefits and can help you reach your financial goals. So start planning your taxes today and make the most of every rupee you earn!<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_create_a_successful_financial_plan\"><\/span>How to create a successful financial plan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Assess_your_current_financial_situation\"><\/span><span style=\"font-weight: 400;\">Assess your current financial situation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The first step to financial plan is identifying your current finances, including your income, expenses, debt, savings, and investments. Doing so offers you a good idea of the state of your finances and ways you can improve them.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Prepare_a_written_financial_plan\"><\/span><span style=\"font-weight: 400;\">Prepare a written financial plan.\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Think about what financial goals you wish to achieve in life and write them down. No goal is too big or too small, so write them down. Make your goals specific, however. Here are some achievable goals: &#8216;I want to purchase an SUV worth Rs. 15 lakh within the next 20 months, or &#8216;I want to buy a flat worth Rs 80 lakh within the next five years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Look_at_the_different_investment_options\"><\/span><span style=\"font-weight: 400;\">Look at the different investment options.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are many options available to investors. Almost 2,000 mutual funds are available on the market alone. Different investment avenues allow investors to accomplish different goals. Equity funds, for example, are suitable for long-term goals like retirement planning, child education, etc. On the other hand, <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\">debt mutual funds<\/a> are good if you are risk-averse and want a relatively steady income.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investments in equity-linked savings schemes (<a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\/equity\/elss\">ELSS<\/a>) save taxes for you. Many financial experts have emphasized the importance of mutual funds in investing. Investing in mutual funds consistently over a more extended period can help you reach your goals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Implement_the_right_plan\"><\/span><span style=\"font-weight: 400;\">Implement the right plan<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Choosing the right investment option based on your goals, age, risk appetite, and the investment amount is essential. If you need help selecting the funds for your portfolio, you use <\/span><a href=\"https:\/\/kuvera.in\/goals\"><span style=\"font-weight: 400;\">Kuvera\u2019s goal planning platform<\/span><\/a><span style=\"font-weight: 400;\">. In addition to helping investors make the right investment choices, they assist with insurance, retirement planning, estate planning, and taxation. They are certified professionals who help investors make the right investment choices.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Monitor_your_financial_plan_regularly\"><\/span><span style=\"font-weight: 400;\">Monitor your financial plan regularly.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Investing your money does not complete the process of financial goals. It is also essential to monitor the performance of the funds regularly. The funds may need to be replaced if they don&#8217;t perform as expected. It is also necessary for you to stick to your plan since it is natural for your goals and dreams to change as you grow up. For example, your financial priorities may change after having a child as you have to accommodate a new member&#8217;s expenses.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Final_Word\"><\/span><b>Final Word<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You may have several financial goals you wish to pursue, but to achieve these goals at the right time, you need to put a financial plan into action at a very young age. Benjamin Franklin said it very well: &#8220;If you fail to plan, you plan to fail.&#8221;<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"Kuvera Insights\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmCysU31bg4Ngh7WY2p3UiiI\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\"><strong>Kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; In this video by HDFC Mutual Fund, you will learn why you must plan your finances at a young age. Do let us know in the comments section if you need any help in planning your financial goals. &nbsp; Your financial planning guides your lifetime journey. It helps keep track of income, expenses, [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12049,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,593],"tags":[639,603,52,656],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Importance of financial planning? - Kuvera<\/title>\n<meta name=\"description\" content=\"Financial planning guides your lifetime journey. 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