There must be some kind of incentive that will move you forward, for me it was the desire to be free, financially. I understood that this is what I need, financial independence so that I can fully manage my time as I want, and I understand that for this I need to achieve a certain capital that will continue to work for me while I can continue do your own thing and not depend on anyone or any work.
The sooner we start moving towards achieving our goals, the sooner we will achieve them. There can be no excuses when it comes to our freedom, in my opinion, this is the most valuable thing a person has, and each of us must take care of this on our own.
Initiative will be present when we have ideas because it is very impossible for people to have initiative in the midst of bad economic conditions because all they think about is how to find a bite to eat for their family. Financial freedom is difficult to obtain when people don't dare to leave their comfort zone and the small capital we have must be maximized on something that is much more productive. Saving can be done if people have a stable income and it is impossible for people whose lives are difficult to make a savings portion.
If you want to gain financial freedom, saving is not something you need to do regularly because the mindset of successful people will be very different from people who don't dare to take risks. Successful people save less than developing a business or investing because they think saving is not very productive, whereas running a business or investment can provide profits so that the money we have is more productive.