When people think about financial planning, their first response would be to avoid it because the idea of it seems complicated. Most of the people I talk to try to avoid it as much as they can until a situation arises for eg. having a baby on the way, the financial stress of feeding a new life and raising the kid till he or she is an adult, or a person somehow realizes he or she is nearing 50s to 60s and not sure if their savings are enough for them to lead a comfortable life