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I treat retirement planning like Ron Popeil's rotisserie cooker. "You set it, and forget it." Index funds don't need to be managed, and recurring transfers can be automated.
Medium term planning follows other people's advice about normal budgeting, with specific piles for specific things.
Short term is extremely simplified at this point. Spend discretionary dollars at your discretion.
First, I completely agree with your thoughts on retirement savings.
However, that's far from the only thing in "planning for the future". The future is also things like:
There's no easy answers as many of these are mutually exclusive. It becomes a personal value judgement. You may only find out you made the wrong choice for yourself after you've passed the point of making a different choice. Such is life.