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You should keep your emergency fund in the same account as your spending money.
False
False
True
True
False
False
True
False
Your income level greatly affects your saving habits.
False
False
True
True
False
False
True
False
If you write a zero-based budget every month, it is not necessary to reconcile your account.
False
False
True
True
False
False
True
False
The envelope system works great for managing spending on things that donʹt normally have a fixed monthly expense.
False
False
True
True
False
False
True
False
When developing a personal financial plan, one of the first things you should do is assess your current financial situation. This includes your income, assets and liabilities.
False
False
True
True
False
False
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False
Having debt keeps you from building wealth.
False
False
True
True
False
False
True
False
The first thing you should save for is your retirement fund.
False
False
True
True
False
False
True
False
Americans typically maintain a very high savings rate.
False
False
True
True
False
False
True
False
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