Financial Management is an incredible skill to have and something that keeps changing as you get older and financial situations change. I think one of the first steps is to acknowledge your relationship with money and know what kind of money person you are. Only then you can slowly figure out what next steps to do.

I am not trying to spruik this book, but the Barefoot Investor is a decent read especially if you are looking for some guidance around planning and some psychology behind it. I am a believer in out of sight, out of mind especially when it comes to saving. So I do split my money into buckets and have my savings in a separate bank so that it takes effort to get it. The time and effort lets you re-evaluate if you really need to touch your savings.