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Maybe my standards for readers of the New York Times is too high, but this "financial tuneup" offered today seems awfully basic.  I mean, fine, save 1% more and rebalance your portfolio, but do you really need to be told to get renter's insurance  and read your tax return?

If you do, dammit, get renter's insurance and read your tax return.  Then look into having a financial guardian appointed for yourself, because you seem to have flunked Bourgeois Basics 101. 

Here's what we're doing this year:  filing our financial records properly, and making sure that every transaction is correctly identified and tagged in Mint, particularly the tax deductible ones.  Paying down debt as quickly as possible.  Mulling whether or not to buy a fixer-upper with a Section 203K loan.  Looking into exciting married-couple things like extra life insurance.

What are you doing to retune your financial future?

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Megan McArdle is a columnist at Bloomberg View and a former senior editor at The Atlantic. Her new book is The Up Side of Down.

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