Financial planning is not optional
"Financial planning should never be an optional extra in anyone's life" Polly Ghazi and Judy Jones wrote in their book Downshifting - The Guide to Happier, Simpler Living. Now if a book that shows the way to a simpler life mentions the need to plan your finances, what more for up and coming people like you and me. In a land where folks have little choice but to run to catch up with the big brothers, financial planning must be right and in place.
In other words, financial planning is not something that you do only when you have some spare time. It's not something you do only when you are about to retire. You have to do it, and do it now. Because if you don't, there will be no future to look forward to. And perhaps with it, no happiness and no good health either.
So now money becomes an enigma. We'd much rather concentrate on other important things in life such as fulfilment and health, but at the same time, the money must somehow be right and in place.
The solution is obvious. We must learn to manage our finances and ensure that we do not fall into that failing 98 percent. Whatever and however, we must get our finances in order. As mentioned earlier, our very survival could depend on it. How are we going to pay for our children's education? Will we have enough funds to last through twenty or thirty years after retirement? Have we set aside some money for emergency situations?
Folks, love and fresh air aren't enough here. It's the money that talks in the end.