: Treat savings like a non-negotiable bill.
Richards’ advice here is refreshingly simple: "If you did not start early, start now. Do not worry about what you did or did not do already; just start. Your ability to move forward will be greatly improved if you do not spend too much time dwelling on the past". The book provides four universal tips for saving regardless of your specific values and goals. : Treat savings like a non-negotiable bill
One of the biggest reasons people avoid financial planning is fear of getting things wrong. What if I choose the wrong investments? What if I save too much or too little? What if I make a mistake I cannot undo? : Treat savings like a non-negotiable bill