Financial advice and the importance of financial planning. "Studies show that people that plan on average 300% more than those who do not," says Carrie Schwab-Pomerantz. What types of factors are required to customize a financial plan, and is a savings account required? Definition of a savings account is a bank account that earns interest over time. Retirement planning includes an IRA, Roth IRA, and/or a 401k account. "Buying a home, saving for college, or starting a business are all a part of a financial plan," Schwab-Pomerantz adds.
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