A financial plan evolves through time and your needs. Most adults should start with a basic plan that concerns household savings, debt, and cash flows. As your lifestyle changes, the basic plan can evolve to account for education, travel, and other expenses.
Nothing new here. We figured the 4th quarter would be choppy, and so far, it has not disappointed. We began with an excellent upward lift that was short-lived and a reminder to stick to the data and not the narrative.