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Strategy is needed to achieve long term financial goals.

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What is your long term financial goal? To own a house, car or to get a degree. It is one thing to have a long term financial goal, it is another thing to have a financial strategy to achieve that long term financial goal.

There is no way that long term financial goals can be achieved without strategy.
 
Making a budget to track how much you earn and spend could give you a better idea of how much you can afford to save toward your long-term goals ..
That's a strategy on it's own. No matter how big a person's financial dreams are, it they don't strategize, they won't ever achieve those financial goals.
 
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