If you don't take your financial accountability seriously and want to allow everything to fall into place by chance, you will learn a hard lesson the bad way.
In terms of financial accountability, after I have set for myself realistic financial goals, I look for a significant other and make them my accountability partner. I have several accountability partners for several goals. Usually they are people with proven financial record of success or life success. I engage them to hold me accountable and provide words of encouragement. My accountability partner provides both the needed support, push and feedback to i desire to sustain my financial discipline as I progress towards financial goals.