It all comes down to discipline once again. If you can say "NO" to certain things, you can reach your financial goals a lot quicker.

That's the truth. If we can be disciplined,we can reach those goals Sooner.

Some never reach goals because all their income is simply disposed of as quickly as it comes...

Those people most likely buy things on credit, putting their future income on the line. 🤦🏿‍♀️