The year 2008 ushered in one of the most challenging economic periods in U.S. history. The effects of prolonged unemployment and reduced asset values for homes and personal wealth continue to affect peoples potential to realize their personal wealth objectives. Identify two concerns that individuals should address in developing their own personal financial plan related to lessons learned from the risks identified during the recent U.S. financial crisis. What approaches should be included in a personal financial plan to address and minimize future risks with respect to these concerns?