Overview

There is no such thing as 'too late' -- if you see that things aren't going the way you want them to, put a stop to the progress. Even if you're not behind the wheel, you have every right to voice your opinion and suggest an alternate route. Starting now, you need to give yourself a lot more credit when it comes to business and financial matters. Although you could still use a stronger will to save your cash, you are on the right track. Don't let anyone tell you otherwise.