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 How well do you actually understand your financial situation? If you can’t crunch these numbers, probably not well enough. David Gyung / Shutterstock.com

Do you know your numbers — your financial numbers, that is? Checking and savings account balances, retirement savings, credit score: It’s easy enough to open an app on your phone or get on your computer to find basic numbers like these. But on their own, they won’t offer a complete picture of your finances — or offer much guidance on what to do with your money after you’ve paid your bills.

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