Unfortunately, many people make the mistake of considering inconsequential their financial lives. The mere fact that they choose not to follow their finances is already a decisive factor for future lapses in this area. Manage personal or family budget, planning the financial life and seek the long awaited financial independence requires a change in posture, a change of attitude, a change of life. And change perspective requires taking actions and decisions that weren't not used to doing before. It means get out of our comfort zone.