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Investors may be familiar with a variety of "financial rules of thumb" that are intended to help individuals learn, remember and apply financial guidelines, including those that address methods and procedures for saving, investing and retirement.

Although a rule of thumb may be appropriate for a wide audience, it may not apply universally to every individual and unique set of circumstances.

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But other issues prove to be more problematic, like ”if you have different religions and this can't be reconciled, or if you have different ways of managing money and expenses,” says Alpert, who insists these dissimilarities can lead to complications.

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