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O planejamento financeiro deve ser um processo cont\u00ednuo e abranger a identifica\u00e7\u00e3o e o equil\u00edbrio do que entra e o que sai de dinheiro.
Tamb\u00e9m deve prever o ajuste de contas, a escolha de investimentos e a renegocia\u00e7\u00e3o de d\u00edvidas, quando necess\u00e1rio 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