INPUT ARTICLE: Article: . If you want financial freedom, you do not want an accident or unforeseen circumstances to push you into debt. In addition to having solid insurance policies, you should strive to have an emergency fund just in case anything unexpected goes wrong. Talk to your bank about opening a separate account to start building your fund. It's a good idea to have a year's worth of expenses set aside, but it can take a long time to gain this much capital. Consider doing automatic transfers to this fund. The 10 to 15% you're taking out of your paycheck each month for savings could go into this account. . A retirement fund is vital to ensure a stable financial future. It is never too early to start putting money away for retirement. Take advantage of any program your employer offers, such as a 401K, and start putting money away as soon as possible. If you're unsure if your business offers retirement benefits, make an appointment with a person in human resources to ask. If you do not have a job that offers retirement benefits, consider looking for work elsewhere. You should also talk to a financial planner at your local bank. Your bank may provide free consultation, or offer you advice for a small fee. You can look into starting something like a Roth IRA to save for retirement. Look ahead to expenses that may come up down the line, such as sending your children to college or paying for an unexpected, major medical expense. Planning and saving for these events far in advance can help keep you out of debt and retain your financial freedom. . Consider investing to grow your money. Exchange-traded funds, bonds, bond funds, or mutual funds are all solid options for investing your excess funds. . You want your children to be financially independent. Even if they're young, start teaching them about how to handle money. Make a trip to the local bank and have your kids open a savings account. Encourage them to put money away so they'll see how money grows over time. You should also talk to your kids about managing money. Tell them how to budget and spend wisely. Think about setting up a savings account in your local bank where you can put money towards your children's college education.

SUMMARY: Create an emergency fund. Set up a retirement fund Consider possible future obligations. Invest excess funds Teach your kids about financial independence

INPUT ARTICLE: Article: Once you and the girl start hitting it off, don't be afraid of a little casual flirting and touching. Just lean closer to her and place a hand on her arm or her shoulder and see how she reacts. If she flinches or moves away, then you should probably back off. But if she moves closer to you or even touches you back, then this is a sign that she wants you to break the touch barrier. You can also give her a playful tap on the arm when you're teasing each other, so it looks like you're just kidding around. You can be bold and compliment her earring or bracelet while reaching out to touch it as an excuse to get closer to her. If you're sitting down, move a bit closer so that your knees, thighs or feet are touching. You should ask the girl out when things are at their peak. When you're laughing, having an amazing time, and when she's clearly enjoying the conversation, you should say something like, "I'd love to keep having this conversation about Radiohead, but I've gotta get going. Can we pick it up again over dinner or drinks soon?" Make it sound casual, so she doesn't get caught off guard. If things are going well, then she will be more likely to say yes. If you wait too long to ask her out and the conversation has gotten boring, then she'll be less likely to talk to you. If you're already running out of things to talk about, then why would she want more of that another day? Just casually ask for her phone number. Simply say, "Hey, can I call you some time?" Or, "I'd love to meet up again. Can I have your number?" Don't make a big deal of it or tell her that you think she's the perfect girl for you. Just ask for her number, plain and simple, and let her see that you weren't too worked up over asking. Remind yourself that the worst thing that can happen is that she will say no, which really isn't such a big deal, in the scheme of things. Don't ask if you can contact her on social media as a first resort. Though you may think its more low pressure to say, "Hey, can I Facebook you some time?" this actually comes off as not being as serious. If you really want to pick up the girl, then get her number. If you want to see if the girl will go home with you that night, then you really want to be suave about it. You can go for the, "Hey, let's get out of here," approach, or you can be a bit more gentlemanly and ask her if you can go to the wine bar across the street or another public place to talk at first. You can even say, "I just like talking to you so much, but I want to go somewhere more private. What do you say?" Let her see that you really want to spend more time with her, and that you're interested in more than just getting laid. Hey, if you really are just wanting to have a roll in the hay, there's nothing wrong with that, but you shouldn't make the girl think that you want something more if that's the case. Learn to read the signs that tell you to abandon ship. If the girl is looking away, staring at the floor, repeatedly checking her phone, or waiting for her friends to save her, then things are probably not going well. If she barely responds to you and keeps stepping away subtly, then you shouldn't try to pick her up. Maybe she has a boyfriend or she's just not feeling it. Whatever the reason, it's best to back away while you're ahead. Read her body language to see if she's into you. If she keeps turning her body away from you, crossing her arms over her chest, or moving back slightly if you touch her, then she's probably not feeling it. It's okay to admit when you're not wanted. Maybe the girl just wanted some time with her friends. Don't let it get to you and focus your energy on the next girl who strikes your fancy.

SUMMARY: Break the touch barrier. Ask at the right time. Ask for her number. Ask her to hang out more. Know when you're not welcome.

INPUT ARTICLE: Article: This is important because it determines if the character will change or remain the same throughout the story. They may experience a fundamental personality change between the beginning and end of the story. If this happens, plan the event that caused the character's transformation. What lessons did they learn or fail to learn? Think about if the character will experience a life-changing event but doesn't change. For example, experiencing the death of one's spouse would be a life-changing event for most people, but if your character is unaffected by this, explain why that is. A protagonist is a "good guy" and an antagonist is a "bad guy." With your character details figured out, define which of your characters falls into each category. This way, you build up the cast for your story. Keep in mind that not all main characters are protagonists. You could flip the perspective by making your main character the antagonist who causes everyone else's struggles in the story. People change as they get older. The beliefs they held can change over time. Think about the timescale of your story. If it covers years, then some of your characters could change significantly in that time. In this case, build new character profiles for each character at different ages. This helps you work out how the character changes through time. If the change is only a few months, then new profiles aren't necessary unless a character changes completely in that time. Take the character's relative age into account to decide if they need a new character profile. For example, if the character was 10 in one chapter but 15 in another, that's a big jump. However, if someone goes from 30 to 35, that's not as big of a jump because a 30-year-old has already established their personality.

SUMMARY:
Decide if this character will experience a life-changing event in the story. Plan if this character will be a protagonist or antagonist. Write another profile if the character will age in the story.