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Delaying to take actions of your financial planning is crucial to your maturity growth. Extending the plans to another months may lead to forever waiting to make it final. Don't cross the ocean with your bare feet, cross it with complete tools and money to reach to the end where success awaits you to unfold on what's has been planned. It sounds simple but if you let yourself be defeated by your excuses and negative action, then face the final reality which is living in poverty. The fault falls on you for not starting to invest. Don't overdose yourself with wishful thinking. Believe, Act and follow what you believe beneficial for your future finances.