The second step to developing your financial plan is to take a look at your cash flow by examining your current income and expenses. This also helps in identifying those expenses that will not apply in retirement ( 401k, mortgage payment)
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Estimate Expenses ( savings. housing, utilities, car payments, cash expenditure, discretionary expenses)
Review checkbook ledger and credit card statement for the past 6 months
Compare income with expenses
If income exceeds expenses (Congrats) save 1/2 of the excess cash
If expenses exceeds income (consolidate debts, increase income with a second job, eliminate expenses)
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