A SEASONED seafarer dwelled in a beautiful coastal province. I met him 10 years ago and attended one of my financial planning seminars when I was starting as a financial planner. With salt-kissed dreams of financial prosperity, he often gazed out at the boundless sea, envisioning a future of abundance.

However, there was an ever-present adversary in his journey: procrastination. Despite his meticulous planning, consistently postponed starting his financial journey, promising to start tomorrow, and time slipped away like the tides, leaving his dreams adrift. The silent thief of procrastination had quietly eroded his chances of building wealth.