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The steps in effective financial planning are
Personal Barriers
Obstacles within an individual, such as fear, anxiety, or lack of confidence, that impede the person's ability to achieve goals or make changes.
Disabled Women
Women living with disabilities, encompassing a wide range of physical, mental, intellectual, or sensory impairments, facing unique societal and accessibility challenges.
Sex Researchers
Scientists and scholars who specialize in studying human sexuality, including its physiological, psychological, and social aspects.
Making Love
An intimate and sexual act between individuals that expresses emotional closeness, affection, and love.
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