What are your life goals?
Do you know what you want to achieve financially?
Do you have a strategy on how to make your financial goals a reality?
There's a saying that those who fail to plan, plan to fail.
This saying also applies when you’re managing your finances.
If you want sufficient savings to support you through the golden years of your life you have to take action in the present moment to make that a reality.
Proper planning isn't a guarantee for success in any way, however, a well thought out plan will guide you when things get tough because it'll remind you what you're working towards.