Saving and investing cannot be done carelessly, but must be clear and measurable according to a person's income. We can determine what percentage to save and to invest or pour into a certain number in statistics, so that dreams will come true faster such as buying a car, a house or saving for retirement funds, etc. In addition, we should also set a deadline, when each target can be achieved. In addition, we also need to determine how much money will be allocated for basic needs, entertainment funds, emergency funds, etc. In addition, we need to make adjustments when income or salary increases so that the funds we collect will be greater. Financial goals must be flexible so that they will be more practical and easier. To be more focused and increase your motivation, you can also give numbers/priorities to financial targets.