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Woman writing on blank page Employees need a plan for their finances, just like they need a diet and exercise plan to stay physically healthy. (Photo: iStock)

If there’s one thing I’ve learned about my physical well-being over the years, it’s this: There are no shortcuts. There is no fad diet that will make me feel better. There is no innovative workout that will magically transform my body. No, physical well-being is all about persistence, commitment and long-term planning.

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