“Bring the future to the present,” Setzfand says. “If you know what your future might look like, then you’ll be more motivated to figure out where the money can come from to support that.” I couldn’t agree more. I often ask people to envision what retirement looks like for them. Whether it’s an image of travel, or a view of the driving range, it’s something to focus on when you’re trying to decide whether to save for tomorrow or spend today.