In the personal finance knowledge, any good financial decisions will provide more value for the future than the present. Think of good decisions you have ever made, choosing to cook food at home or eating in restaurants, take public transportation or ride bike to work instead of taking own car to save gas, buy education insurance or investment products for children and so on. All this leads to a principle that is save more for the future.

Conversely, any bad financial decisions will provide more value to the present than the future. For example, how many times we are tempted to buy things we want but there is no budget for that item. Buying with credit will usually be made to realize this desire.

Any good decisions in managing the family finance are able to provide benefits in the future. Reckless spending are only useful in the present, while using the money wisely to be able to save money will be useful for our future and family, especially for our retirement future.

Retirement is a time where we no longer produce. Retirement can come to us anytime. There are also things that could make us forced to retire before its time, whether because of accident or other reasons. Retirement is something that has to be prepared from now. So, have we prepared and fill the barn for retirement time?