Don't you have any dreams? An awesome house in great location? Fun job that pays well? Meeting the love of your life? Some fitness goal, like running a marathon, or just losing weight and getting fit?

A goal is just a way to measure progress towards your dreams. How much, by when.

A plan is a set of steps you take to reach the goal.

While they probably had good intentions, it's time to question any advice you received from your parents. Were the good with money? If not, forget everything they told you about it and look at that topic with fresh eyes, seeking advice from experts who have had success. Carry this through all common topics: relationships, health, fitness, career, education, etc. Try to learn from their mistakes and make better choices where they went wrong.