Whether it's retirement, a mortgage, a job, getting married, buying a mutual fund or filing taxes, always consider the consequences of your financial commitments - the length, termination, dependencies, etc. Begin with the end in mind and you can work backwards to plan how you will achieve your objective.
Thinking out of the box with the end in mind can pay off massively in your wealth creation plans. Most people don't do this, so you'll immediately be putting yourself in a space of opportunity and advantage.
This may sound odd, but it's really no different than analyzing the full course of a marthon from the finish line to the start line and then planning how you will get there. And possibly win.
Modern living is about instant gratification. It's easy to get caught up in day to day spending that can erode you chances of developing significant wealth. Having objectives and working back from them can help you avoid the short term pitfalls that can make or break your future wealth.