The fifth foundation of particular finance is pla nning for the future. It involves allowingabout long– term fiscal pretensions like withdrawal, as well as shorter– term pretensionslike saving for a down payment on a house. produce a plan that reflects your pretensions and includes a blend of saving, investing, and debt prepayment. By planning for the future, you can insure that you’re on track to achieve your fiscalpretensions and live the life you want.