The Pioneer Generation package commercials somehow flood the television channels in their bids to make the points of the package clearer to our senior generations. Watching the commercial and somehow irked at being bombarded by the advertising blitz, I somehow, on looking at the dozens of senior citizens dancing in the commercial, think that time really flies and soon I will be like one of the senior citizens featured in the commercial. This makes time appreciate that I really need to work on diligently my wealth creation. Time is slipping past us quickly and I need to plan and work on my financial goals for my family and my retirement. The stock markets of today, the high inflation and cost of living as well as the lure of consumerism from the myriads of shopping centre only serve to remind me that I need financial discipline for my wealth creations plan. ......