inancial planning is the process of setting money goals and creating a realistic roadmap to achieve them. It is not only for high-income earners or finance professionals. Anyone who earns, spends, saves, or invests can benefit from a structured plan. Without planning, money decisions tend to be reactive—based on urgent needs, social pressure, or short-term comfort. With planning, you gain clarity, control, and the ability to make choices that support long-term stability. At the heart of financial planning is goal setting. A strong plan begins by defining what you want your money to do for you. Goals typically fall into…