What’s the point of financial planning anyway?  According to a 2017 survey by CareerBuilder.com, nearly 80% of American workers live paycheck to paycheck.  If these statistics are any indication, it doesn’t seem like most people put much effort toward planning for their financial future.

I recently had a conversation with a couple who has been diligently saving for their retirement years.  After some analysis, I commented that they were on track for retirement without needing to save any more money.  They are planning to continue to save but no longer feel the pressure that they must.

The idea of delayed gratification seems to be an old-fashioned concept.  Delayed gratification can be hard work, but in the end, it provides peace of mind.  Living paycheck to paycheck is stressful.  Knowing you are prepared for retirement several years in advance is well worth the effort.

What is something you could give up today that would improve your financial future?