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Now Playing: 09-27-13 Marketplace Money

Set a budget. Save for retirement. Plan for college savings. But how do those rules fit with your circumstances? This week, we feature conversations that go beyond the fine print of personal finance. What type of college savings account works best? A look at the differences between a Roth IRA and a 529 savings plan. When should you think about buying a home? How does that influence what you save for retirement? Plus, prepare yourself for a fee battle. What you can do to get the upper hand on hidden costs.