The lack of plans for later years does not necessarily mean a miserable and dreary old age but it certainly means there is no sense of security and represents a missed opportunity for financial planning, an important life lesson.
沒有規劃的晚年雖不見得一定晚景悽涼，但總是缺乏安全感，也錯失了學習人生重要功課──財務規劃的機會。