If you look at your money habits, and realize that you could be doing something differently, now is the time to take action. You can change your bad money habits, and replace them with better habits that will eventually lead to financial freedom.
I know that the title of this post is somewhat morbid and not many people want to take about death. However, we are all going to pass on at some point and just like anything else in life, we need to be financially prepared.