Personal financial planning can seem like an intimidating topic to tackle.  However it’s important to feel like you have a basic grasp on how to manage money so that you can reach important life goals.  As the saying goes “knowledge is power,” and understanding how to make your money work for you is one of the most powerful ways to reduce the fear of financial uncertainty and increase your ability to make choices instead of having to continually react to crises.  This section provides you with the information on the core concepts around personal financial planning and with the tools you need to get started and stay on track.