Start today doing the things that will set you up for the next year. Why not make the next week the week that will change your life forever. Do the work that is necessary to set up, not just the next pay check but everyay check from now on.
Impossible you say. Lets take an example. Take the number of years left befoee you want to retire, say 30. Take that nu, ber and think of a building that has that many stories or floors. A 30 story building takes a fair amount of foundations to withstand the weight above as well as wind movement etc. I am no engineer!
Do you think it takes the same amount of time to build each floor as thw one below. No. Most of the time is spent building the foundations. This is what I am talking about. Spwnd the next week or two, building that foundation for you building! It may take some horrible work but short term pain for super long term gains!