To fail to plan is to plan to fail
Discipline and structure coupled with experience and knowledge is a very power formula for success.
Planning is essentially an analysis of where we are today, identifying where we want to get to tomorrow and then arriving at a risk adverse strategy to get there with as little water time or money as humanly possible. Other considerations can then be laid accords this straight line strategy such as aging. Marriage and deaths, schools, health and children, life variables in essence.
The key to realizing financial freedom is to plan and then apply this plan with vigor, confidence and vigilance. The probability of success assuming good oversight and the capability to evolve strategies has to be better than reasonable. To take these steps already stand you apart from the majority of the public.