I am earning decently, and am able to meet expenses out of my income. Do I really need financial planning?

Irrespective of who you are, everyone has financial goals in their life. Your goals may vary- buying your dream car or house, education, marriage of children, retirement, and so on. But to achieve all these goals, financial discipline is required. This is where financial planning comes into play; it helps you maintain discipline throughout your life. 

In short, financial planning is inevitable for every individual who seeks discipline and financial freedom

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