Life has a way of creating illusions and some of us are blind enough to believe them. You were probably financially stable in your twenties, but your mind tricked you into thinking that there was no need to start saving or limiting your expenditure as you were still young. That it was your time to enjoy life without limits. If you fell for such fallacies look no further for the reason as to why you’re still poor today. The best time to save would have been when you had no responsibilities.