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When you’re a financial planner, clients come to you with pressing personal finance questions.

The same questions tend to crop up from different clients. (Specific financial advice can be given only after considering the unique circumstances of each case.

If the interest rate is low (4% or less), having debt doesn’t cause too much anxiety and you can get a return of more than 4%, then it isn’t a bad idea to invest extra cash toward retirement. Ask about the costs of refinancing, prepayment penalties and flexibility in repayment schedules for job-loss situations and other factors.

If the interest rate is high, you should pay it off as soon as possible even if debt doesn’t negatively affect your psyche. If you are worried about debt, pay it off with your extra cash regardless of the interest rate. If you have credit card debt, try negotiating with the card company for a lower interest rate.

A car accident likely is your biggest source of potential liability.

Many auto policies pay 0,000 toward damages arising from an accident, but court judgments in such cases can run into millions of dollars.

Your monthly housing payments (mortgage, taxes and insurance) typically shouldn’t exceed 28% of your gross monthly income.

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For example, if you start saving in your 30s, you should probably be saving 15% to 20% or more. As you age, it’s better to increase the percentage of bonds in your portfolio.

Most employer-sponsored retirement plans, such as a 401(k), offer a set “universe” of investments from which you should pick those that are diversified and have low costs (charging less than 1% per year in fund fees).

This column deals in general advice.) Most people should start saving at least 10% to 15% of pretax income, beginning in their 20s.

If you start saving later in life, you will need to put aside a higher percentage. The younger you are, the more you probably should tilt toward stocks.

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