Research summary

A workout plan for those financial wellness muscles

January 30, 2023

Start where you are, and control what you can control

Step 1: Take control of your finances.

Step 2: Prepare for the unexpected.

Step 3: Make progress toward your goals.

Work through the steps, tackling higher-order goals as fiscal fitness grows


Clifford S. Felton
Vanguard Information and Insights

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