The global COVID-19 pandemic is one of the biggest crises the world has ever witnessed. During the pandemic, even the mightiest of the economies suffered huge losses, several businesses shut down, and millions of people lost their jobs or received a pay cut. On the other hand, medical expenses continued to rise significantly. This has made one thing clear – you need to adopt a fail-proof financial planning process to ensure you survive such a crisis effectively. One of the most important elements of the financial planning process is to
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