We must have a right target level because if our target is not right then we can go down the wrong path. If the target is set then the road is very difficult but it is possible to overcome that difficult road but reach your target. First of all we have to focus on our career and then we have to give our full attention to the field of work we are in and after giving full attention to that field we have to plan properly about the amount of money we will earn from it. If we earn money and spend that money without planning, no matter how much money we earn, we cannot change our financial situation.  While spending money is a difficult thing, spending money properly is also very important and should be done by everyone.