The financial picture is murky and uncertain. After the massive Wall Street bailout and the crash of the housing market, consumers are struggling to find their way. When you look at the massive amounts required for a secure retirement and the huge mortgage, you're barely chipping away at it each month. Financial planning continues to be the "elephant in the room". Stop looking at the "big picture"-it's scary and bleak. Financial Advisor Suze Orman says start focusing on the small steps you can manage today that will help you prepare for tomorrow's uncertain future. Taking tiny steps today is your key to financial planning. Here are some small moves that yield big dividends: