Many people say they don’t invest for retirement because they don’t have the money. Turns out the issue may be more related to indecisiveness than lack of available funds. It’s not that people are indecisive about saving and investing, but more that they don’t know it’s okay to be decisive.
Very few decisions in life that are made incorrectly can’t be fixed. One useful technique is to write down your financial goals. Often you can gain the clarity you need to make your next money decision.