katherineturner - It is good when there is enough money to plan financing. I live from paycheck to paycheck and I don't have such a need.

harrydavidson701l3 - You are very wrong. Financial planning is not only necessary for rich people. You live paycheck to paycheck because you don't know how to plan your finances and make senseless expenses.
I've lived like this too, and I know what I'm talking about. I couldn't save money for absolutely anything. To be honest, I saw my future sad and was terribly depressed because of it. That was the first time I decided to hire a financial consultant https://www.humaninvesting.com which would help me plan my finances. Well, the results were not long in coming. After a few months, I saw a significant difference.