A better future is predicated on what you do today. Every Sunday sit down with pen and paper and look at your life. Write down where you want to be a year from now and the steps your taking to make it happen. I failed on this score miserably. So this is in hind sight. And hind sight is always 20 20. I even heard the Esop stories. Especially about the 3 pigs and the homes they built. Two of the three pigs got wiped out, the third lived-on because he built a solid brick structure. Putting money aside is a form of building with bricks.
If your not getting close to your goals. It's time to reevaluate your life's endeavors. Then make the changes. Don't be afraid to make mistakes it's the window to your future successes.