Are you just floating through life without a plan for your finances and your future? If so, you are not alone in this. There are many people who are living this way; however, this type of mindset may prevent you from having the right retirement savings when you reach that point in life. If you want to prevent this, you should seek help from a certified financial planner so you can work on the following three steps.

Set Clear Goals

One of the main problems with floating through life financially is that you have no goals. Without goals, what are you aiming for? Seeking help from a financial planner can help you with this, though. A financial planner will typically begin helping a client by helping him or her set clear goals. In addition to setting goals, the planner will help you know how to test and evaluate the goals periodically so that you will know if you are on track or not.

Develop A Short-Term Plan

Once you have created your goals, the planner will begin helping you set up a short-term plan. Short-term in the world of finance typically refers to a one-year period, and you will need a plan for this period of time. In many cases, a short-term plan will help people pay off debts they have or save up money for an emergency fund, but this will depend on what your current situation is and on what your goals are. Creating a short-term plan is not something that takes retirement in mind; it is more designed for the current time, yet it is very vital for long-term planning.

Create A Long-Term Plan

A long-term plan is also important, as this is what will help you reach your goals for retirement. It's important to know that if you are in your 20s or 30s, you will have plenty of time to reach your long-term goals. If you have waited until you are in your 40s or 50s, it might be a little harder to reach major goals.

A long-term plan often includes saving a certain percentage of money each month, and it helps you decide where to put that money. With the right decisions, you should be able to retire with plenty of money in the bank.

If you are tired of floating through life without a plan, make one today. You can learn more about this by contacting a financial planning firm today.