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Human capital is an important part of your big-picture financial and life plan. This Financial Planning Association article defines human capital as follows, “Human capital refers to knowledge, skills, and abilities acquired by an individual, traditionally through education and work experience. It is uniquely possessed by each individual and can be enhanced by continued education and job-related training (Becker 1964).” Human capital is critical when considering your financial future as well as ways to reduce risk and maintain financial stability throughout the course of a lifetime.
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a machine may eliminate the need to have hundreds of production workers make stuff , it still took human capital to design and build the machine.
And as we move deeper and deeper into a knowledge-based economy that depends on information, knowledge and high-level skills, human capital will become increasingly important. 
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