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Starting early with financial goals is commendable and serves as a powerful foundation for future stability. Goals rooted in life aspirations—not just arbitrary numbers—bring motivation and purpose. For example, paying off a large mortgage or financing children's education are concrete ambitions that shape financial planning.

However, experts suggest that beyond simply setting goals, it's equally vital to develop robust financial systems and habits, alongside fostering resilience against potential setbacks.

Focus on Financial Systems and Habits

Laying the groundwork involves establishing daily and long-term financial behaviors that will serve as the backbone of your financial health. Two key habits include: