Different people and cultures believe different things for the answer to this question. The meaning of life as we perceive it is derived from philosophical and religious contemplation of, and scientific inquiries about existence, social ties, consciousness, and happiness.
A long-term financial plan should include these elements. Time Horizon. A plan should look at least  five to ten years into the future. Scope. A plan should consider all appropriated funds, but especially those funds that are used to account for the issues of top concern to elected officials and the community. Frequency.
Credit cards should never be used as a safety net. Credit card debt creates problems, it doesnât solve problems. Experts disagree about how much money you should set aside for emergencies, but the general consensus is that you should save 3-6 months of living expenses. Some experts believe you should save as much as 9-12 months of expenses, especially if youâre self-employed or if your job is in jeopardy.