Robert Powell, CFP®

The end of the year is that special time when you get a chance to look back at how you spent your money and how it compared to your budget. Don't have a budget? Now would be a good time to create one. That's especially so, because spending is one of the few things you get to control in retirement.

What to do? Here's what Don Grant, a certified financial planner with CTHB/DGrant Financial, does with his clients:

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