You have to align your choices with your values. Then have a game plan to keep you on track and a checklist so to ensure nothing is falling through the cracks.
To identify your values ask yourself "What's important about money to me?" then ask what's important about that last answer to you? Continue till you reach your aspirations self.
After you have identified your goals, time frame and where you are today. You will have clarity about what is missing.
Start to then identify the evidence "aligned with your values" that you are making smart choices about your money i.e. if you said Security is your first value then ask yourself how much money you need to have in the bank "for the unknown" for you to feel secure. Then put that money aside or build it up. Then move onto your next value or an additional evidence you need to have aligned to your value.
There are many moving parts to people's values and finances, let alone the noise and distractions of others and the media. It's important to spend your time and efforts doing the activities you control rather than what you cant i.e. saving regularly vs market returns & economic events etc.
Create a checklist so that you can ensure you always stay on top of your "financial house". Do your chores and it will be well maintained and probably be a more enjoyable environment to live in.
Doing these are the basics of not only good financial management and planning they are also good for ones relationships and quality of life.
You get the direct benefit from spending time with loved ones and friends, exercising, eating healthily, improving your skills, and spiritual side. By being better by default you increase your chances of experiencing a better quality of life.
We cant change time but we can change what we do with it.