Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to do your own financial planning [title] Determine what your key personal and financial goals are. [step] Before you can create a solid financial plan, you need to be clear about your goals. Common financial goals include: planning for retirement, paying for education, purchasing a home, creating an inheritance for beneficiaries, or developing a financial " safety net " to guard against unexpected expenses, disasters, or life changes.

Ending1: [substeps] It may be that you are not aware of your plans before beginning to plan. This is why certain financial goals benefit one person but not another. Ending2: [substeps] Your financial goals should encompass how you plan to manage your finances and what you can accomplish to achieve them. You also should identify whether or not you need financial resources. Ending3: [substeps] You can find templates for worksheets to help define your financial goals by searching online. [title] Be accurate in your goals you want to accomplish. Ending4: [title] Make a list of goals you'd like to set for yourself. [step] Write down any meaningful things that you have and have done that you want for your retirement.

Answer format: ending1/ending2/ending3/ending4