This is an interesting video. https://www.youtube.com/v/4FrGxO2Fn_M
What I like most about it that relates to financial planning is the attitude of bottom up change. Translation: so many people blame their lack of goal attainment to that which is not in their control. The tragedy of that is they most likely will not reach their goals because they have no power to. Our suggestion is to focus diligently and razor sharp on that which you have control over. In financial planning that translates to: savings rate, and spending rates.
Success to you!