Are You Building Fats or Muscles?
Many of my clients often tell me that they want to go exercise to lose weight or build muscles but often never do because they said no time and no motivation. From there I reckon that some of them have similar metality towards planning for their future. To them, they want to be rich when retired but they does not have the motivation or habit to save for it.
Therefore I always used this example of building muscles or fats to share my ideas of buying insurance/investing. When people build physical muscles they need to spend quite a long period of time working out at gym to achieve the desired results. If they are not consistent in exercising, the muscles will eventually become fats! If we put in financial term, it is the same theory. Muscles is our long term saving fund. Some people who want to build bigger muscles will try investing in stocks or property and for those not so ambitious people, they will build smaller muscles through regular saving/ investment. If we ever stop investing or growing our money in a place where it is equal or beats inflation, our money will become smaller (fats)
My point is that if you want to be living comfortably in the future, it is good to start young. Being young is good because you have the time horizon to ride the waves. You can have higher risk tolerance level compared to older people. Same thing applies to losing weight for a overweight people compared to those slightly overweight. Therefore please try to do something first before it becomes difficult.
Next time before you want to delay saving or investing for your future, just think of my above analogy and decide for yourself: Muscles or Fats! 
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