Are you sure your savings will pay for your future goals? 

The central financial challenge of adult life, then, is how to move some of today’s income into the future. This is, fundamentally, what savings and investment are meant to do. They are not about luxury or surplus. They are the infrastructure through which you reallocate purchasing power over time. Yet in the absence of structured planning or disciplined accumulation, most future costs are either handled poorly or not at all.