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A complete picture of your finances includes a look into what you are doing for your financial future. The first question to answer is: Are you saving for retirement through a 401(k) plan at your job or through an outside retirement account? If not, then this is the time to start. Think of every day you delay as dollars that you are stealing from your future financial bank account. Or, if you prefer a positive analogy, consider the reality that time is your money's best friend; the more time you give your money to grow in interest-bearing accounts, the more money you make for yourself. Even if you start with something as small as $50 or $100 a month, it's better than doing nothing at all.