We are all faced with money-woes.
We are not saving money every month or when we have the opportunity. Spending too much money on luxuries instead of focusing on your needs and not wants.
Linked with the over spending, you're more likely to increase your debt and South African's are in massive debt web.
Should we actually invest money for the retirement years, we don't actually keep control of it! Do we watch the investment growth and make the appropriate decisions?
Ultimately, we need to learn to focus more on today, tomorrow and the long term future. Be money wise and less "want want want" attitude.