Having a destination to get to is usually the only reason you’re in the car. It’s the same with money : If you don’t have a purpose, saving or investing is likely to feel pretty pointless. You should decide exactly what you want to accomplish and remind yourself of that goal early and often. It might be retiring at 55, giving your child great education. Once you have decided on your destination points, workout how much money you need to get there and how best to get it.