In saving for the future, you will need to start with the present and always remember the past. Starting with the present is done by saving on the things that are present in your possession. If you do this, you will not have any problem in your future and you will not complain about what happened to you in the past. Wise spending and proper spending is the key to all of this and this should be done in the present. What you will do today will affect what happens tomorrow as well as your inclination about your past.