Too many of us think financial planning is only for the wealthy, but here’s the truth — it’s for everyone. Whether you’re just starting your career, raising a family, or preparing for retirement, a plan gives your money a purpose.

Here are three reasons why financial planning matters:

1. Clarity and Control
2. Preparedness

3. Growth and Freedom

Think of your financial plan as a pyramid. The foundation is budgeting and protection, and as you go up, you build investments and long-term goals.

If you’re ready to start today, grab a notebook, write down your income and expenses, and set one financial goal for the next month. That small step could be the beginning of your journey to financial freedom.