We all face the same problem. Everyone has the same 24 hours each day, plus or minus an hour on some days when the clock changes. What we do with that time now determines what we will have in the future.
That focus on future reward for actions now is a hard thing to stay focused on in our society. I grew up in a generation that wanted it NOW and we are even more that way today. This aspect of delaying gratification, possibly with hard work now for better results later, is harder to ingrain in when other habits are so common.
We can know what we should do, but we are not going to be well off until we do it. We can read book after book on the topic, but it ultimately does come down the the tired cliche of "just do it!"
A support network that helped us in the process would be very helpful in this, but most of us are missing such support. Even if we have close friends or family, few of them will get in our face and tell us to stop slacking off when we decide to goof off rather than laying a solid foundation for the future.
How do we get that hard support today? I am not sure. Most of us will leave if we don't like what we are being told, making the "kick in the seat of the pants" talk we may need rather ineffective. Most people struggling really do know what to do, they just don't really want to do it. I know I often fall into that camp, even though I want to avoid it.
All we can do is keep pushing forward and trying to find the group of supportive people who will also challenge us to accomplish great things, even if it "hurts" at times.
Are you ready to be challenged? Who do you allow to challenge and truly inspire you?