Bags of money

It's not uncommon to find people who have saved and invested enough but are still struggling to meet their financial goals. A lot of the time, the reason is that they were not really investing, but just putting money away in something or the other. This may sound like the most obvious thing in the world, but the real point of investing is not to invest, but to eventually use it. Suggested read: When to sell a fund? The problem is that that's hard to do in any organised manner unless the investment itself was made in a way that was appropriate for that expense. You don't have to be able to foresee the future to do that. You just have to make reasonable guesses at the obvious financial goals of your life. So, what exactly is a financial goal for your investments? It's not something general like 'make lots of money'. It's something more precise. It involves specific things that you would like to do in the future and plan the finances of each. Only then can we answer questions about th