• Understand the big picture. Do not consider retirement savings as something to be set apart from other financial goals. Integrate your retirement plan into your overall financial plan. A short-term, medium-term, and long-term financial plan can help you understand how every decision impacts your bigger financial situation.• Understand the big picture. Do not consider retirement savings as something to be set apart from other financial goals. Integrate your retirement plan into your overall financial plan. A short-term, medium-term, and long-term financial plan can help you understand how every decision impacts your bigger financial situation.

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