Trust me: You need to start saving now so you can fly last-minute to be there for someone you love when the time comes

You’ve racked up credit card debt for excessive amounts of clothes, furniture or just stuff, much of which you can’t even remember purchasing. You trade in your car long before your vehicle is near the end of its usefulness. In fact, you purchase a luxury model because “you deserve it.” Or, to “afford” the car you want — instead of the one at a lesser price that you need — you take out a five-, six- or even seven-year car loan.