Financial Planning or Financial Planning is a process to manage finance in order to achieve certain financial goals.

Whereas Financial Planner is a person or an institution that runs a process to manage his finances either for yourself or to help others manage finance.

Based on the study, it was discovered that the average human life is 28,000 days or equal to 76 years. From birth to the age of 76, human beings will be divided into four phases of life, among other things:
- Phase 1: age 0-20 years, this first phase is a phase where humans are not productive because it's still in the education stage and it costs limited cost only for playtime and so on.
- Phase 2: age 21 -40, this second phase is a phase where humans have started productive where human beings have started to work and generate income, but the cost is also adapting to the cost of marriage, child costs, the cost of family and others.
- Phase 3: age 41 -60, this third phase of human being is still in a productive phase where it can still generate income at cost which also adapts to child education costs, the cost of buying children's homes and so on.
- Phase 4: age over 61 years old, this fourth phase of human being is back to being a non-productive human being. It's because human physiology is already diluted and not as powerful as it used to be, so it can't be productive and it can't generate a maximum income, but the cost that's being issued at this phase is actually getting more and more and more, like, uncheap treatment and other.

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