“A goal without a plan is just a wish.” – Antoine de Saint-Exupery. How many goals have we set and then realized we’ve not reached because there was no follow-through on our part? Planning goes hand in hand with goal setting. If you aspire to retire early, then your money management needs to be very intentional. You need to put a savings plan into place and eliminate any spending that will not aid you in reaching your goal. Smaller goals, such as vacation travel plans, still need to involve planning and saving, and then, of course, enjoying.