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I received my plan 5 weeks ago. I am still working towards my steps. I have been using the suggestions I was given and for some reason when it’s laid out in 3 steps it’s simpler, more doable for me. I am so happy I have finally decided to take control of my finances. I was afraid at first, thought it would be worse than it was. I was pleasantly surprised, now I love having a plan. I wish I would have had something like this when I was younger, but it’s never too late!