People Aren't Saving Enough
Do you have enough money? Most people answer "no" when asked that question. You've probably seen the surveys... it doesn't seem to matter what your income is. Whether someone makes $30,000 or $300,000, all report that life would be much better if they just earned 10% more.
The secret to keeping more of your money lies in controlling your expenses. In order to accomplish that, you have to make a conscious effort to monitor where your money goes, take some time to examine your priorities and get your expenses in line with them.
That is the essence of financial planning: thinking and planning in the short term in order to prepare for a healthy financial future.