One trick to help you know when to delegate versus do it yourself is to compare it to your hourly worth.

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Financial Finesse senior planner Greg Ward writes more about why the deficit matters and what you can do to help protect yourself from its consequences.

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"All you do is walk around and make yourself known but you don't do anything to help anybody, " she said.

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If you are not able to do a comparison yourself, consider asking someone in your family or a friend to help you, or you can call Medicare at 800-633-4227 and they will do it for you over the phone.

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Whatever you do, you need to put yourself in different environments that will help give you perspective and test and challenge your world view.

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Last but not least, if you do get yourself or a friend in trouble, know how to get help.

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Help Mom or Dad remember that they taught you a basic value: to do what you thought was best for yourself.

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