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Think of your budget as "a way to get the things you want without wasting money on the things that you don't," suggests Liz Weston, CFP®. Watch the NerdWallet Columnist share her fresh perspective on the purpose of budgeting in the exclusive video above.

Regardless of where you plan to retire, the number one factor in ensuring that you can retire on your terms is your 401(k). Make sure that your 401(k) is maximizing its potential with this free analysis that checks your fees, fund mix, and other factors to help you hit your retirement goals.

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