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5 steps to take with your money in 2021, according to personal finance experts Bankrate 1/1/2021 © @JulieK/Twenty20 gold party balloons No matter what you had planned for your personal finances at the beginning of 2020, the pandemic probably got in your way. COVID-19 created a wave of massive challenges for many people, but Sheila Padden, CFP, founder of Illinois-based Padden Financial Planning, saw a silver lining amid the disruption. If nothing else, [the past year] has forced many of us out of our ordinary lives and perhaps turned a bright light on what is essential for our happiness and fulfillment, Padden says. 2020 has been a bell of awakening.

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