By ROBERT S. COLLINS/ BHP Custom Publishing
Most people that wade through life without any kind of financial plan, or a plan for life’s goals, do not end up at their desired location. Sure, they have the best of intentions for saving for college for their kids, saving up for that dream home on the beach or even the ultimate goal of a comfortable retirement. Often times, they fall way short, which affects every other future goal. Think of a snowball rolling downhill. Do you get the picture?