At last, you've gotten your career on course and are ready for your next big moves -- perhaps starting a family and buying a home. Before you get too far down that road, map out a long-term plan, says Jim Oliver, a certified financial planner in San Antonio, Tex. "Most people live the lifestyle they want without putting away enough to meet the goals they want later on. It's like having a budget for a trip and not allocating it. Before the trip is over, they run out of money."
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