Few people are highly successful in life, even with a normal background in terms of business or job. The key reason is their attitude towards planning for their future. They actually plan for their future well in advance, through a structured approach.
You need to first decide on the kind of life style you wish to have post retirement, and then you need to decide when to retire. Then you are left with the earning period, within which you need to earn not only for your current living, but also saving for your post retirement costs.
Then you need to look at various investment tools like life insurance, stock market investments, investment into mutual investments, investment in real estate / land / flat / house, etc.,
By doing this, you will know clearly as to the kind of monthly savings required from now onwards, which you need to just sincerely follow and keep on investing. This is what is investment planning is all about.
As an old saying goes, it is easy to plan BUT DIFFICULT TO EXECUTE.