People need financial planning at every stage of their lives, whether it be debt reduction, buying a house or a car, marriage, divorce, and the biggest concern of most working people
—retirement. Why don’t more people realize that the financial decisions they make today have a direct effect on the life they will be able to afford tomorrow?

Take your pick.

a) No discipline.
b) No education in finance — a product of our public schools.
c) No goals for the future — just live for today.
d) All of the above.