Savings, on their own are not enough. And most people who invest, do so in an ad-hoc manner. When the volatility sets in, they worry over their investments and take uninformed decisions. Goals are no longer vague or wishful thinking.

But you still need the roadmap to get there. If you are ever to have your dreams come true, you are going to have to come up with a plan that takes you from where you are to where you want to be.