The reason someone decides to engage in financial planning is because of “time”. Everyone has a limited amount of time and once it is gone, it cannot be recovered. Time in a day, time with family, time until we pass away, we are all bound by this single constraint.
For most people, it is financially impossible to spend 100% of their time doing exactly what they want. Sometimes in life we are forced into less appealing activities in order to engage in more pleasant ones. For instance, most people must take time away from family, friends, and hobbies to work so they can afford to spend their remaining time as they please.