Only about a third of americans actually have written financial plan, according to Charles Schwab. If you look at it as planning and having a financial plan, what that can really do is optimize your investing plan. So if you're always looking for ways to find that ten bagger to optimize your returns, to squeeze a little bit more out, really having a plan and making sure that your portfolio is in line with what is right for you will get you closer to your goals.

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