Financial planning is a structured approach to managing income, expenses, savings, and investments so that your financial life moves in a clear direction. It is not only about investing or saving tax. It is about building a system that helps you meet responsibilities today while steadily preparing for larger goals in the future. Without a plan, money decisions often become inconsistent—driven by urgency, outside influence, or short-term comfort. With a plan, you can make financial choices with clarity and purpose. The foundation of financial planning begins with defining your goals. A goal is more than a wish; it is a…