When you start a family, you need to begin thinking about the future. You have to consider the cost of college fees for your kids, future unforeseen health issues and even maintenance costs on your home. Look further, and you need to think about retirement. It seems far off right now, but it isn’t really. Before you know it, you’ll be in the golden years with very little gold to spend. You must start preparing for the future right now, no matter what age you are. It’s crucial that you don’t waste another minute thinking, I’ll do it tomorrow. Tomorrow is already here.