re: What grade do you give your personal finance skills?

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Debt

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The amount that I do owe is minimal and at an average rate of 1.5%... B

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Budgeting

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I'm on autopilot for the most part... I limit my purchases. I don't have a want for stuff, but the stuff I do own, I want to be really nice... I project my quarterly personal financial statement, income, and cash flow two to three years out... A

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Long-term financial planning

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Tax diversified... Contribute maximum to every account imaginable... Not even close to needing estate planning, but starting to research vertical and horizontal asset segregation and sheltering in trusts... B-

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Risk / Insurance

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My employer takes care of this one for the most part... health/life/short-term/long-term... Should probably get an umbrella... Will need to eventually get long-term care... B+

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Investments

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Need to work on asset allocation... And I still believe that I can beat the market... D

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Real Estate

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Don't own any... Don't want to own someone else's house... Want to build... Missed out on 3% rates... F