Well, You have said it all @josediccus ......we need more of this factual content. I was able to attend a seminar last year, and it get to a session we need to have some finance gist it get to a point we were discussing about saving and all the factors affected saving, but I keep hearing lack of budget, goal and so on, with alot of research and as a psychologist I discovered you might even have a budget and goal without you able to save, because discipline is very important even if holding any seminar I make number 1.like you've said discipline is very important in saving

Thanks for the insightful post @josediccus .