I do, but the more I think, the more I become worried, so dun think too much lar. its a good thing to plan for your future, but do you take into account, you may not live beyond next year. there are so many variables to take into consideration, like get killed by a car or get cancer? what if you sleep and you didnt wake up tommorrow?
be prepared to work till your 70s and 80s, either as cleaner or security.
Fail to plan is equals to plan to fail