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In these unprecedented times, financial planning could not be more important, even though it is quite clear that for many people, any plans that have been put in place may have to be amended.

For some, retirement may get pushed back, or new projects may get shelved. What is most important is that your financial plan is flexible and fluid and able to change as the circumstances change.

What is key is not the plans themselves, but the ongoing process of planning. A good example of that concerns one of the fundamentals of nearly all financial plans – the requirement for an emergency cash fund.

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