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In life there are many instances where you will have to make big financial decision that will affect your life, things such as buying a car, investing into a new business etc. Having such big decisions to make there should definitely be a financial plan setup so that it can help manage where and how you spend your money. These factors will definitely help you understand the time value of money and how financially planning your way will be best for your future. Planning help manage and layout long-term goals financially for a business. They provide a road map for the future about potential opportunities such as new products, markets, and investments (Wild, Shaw, Chiapetta, 2011).