No matter how much you plan your life, you will never know how life is going to play out. The only time you will know is when you are at that moment. So, start doing now rather than planning what to do in the future.
Planning might help you accomplish your goals but it is not going to improve your quality of life for the present moment. In other words, planning is not going to guarantee you a desirable outcome for the future. So, why not start doing now when you have control instead of panning how to do it in the future?
Today might be your only chance. This is extremely important because you do not know when the next moment is going to be taken away from you. But it doesn't mean also that you cannot plan. Plan when necessary but not at the expense of your current moment.
Thinking too much about the future often causes stress. The stress caused by not living in the moment can be detrimental to one's mental, physical, and psychosocial well-being. Over-planning prevents you from living in the moment. Stay focused on each moment of your life. Do all the things that you want to do and enjoy life to the fullest. What matters is the present, not the future.
Plans often don't manifest themselves the way you want or expect them to be. In other words, the expectation is really different from reality. How many times have you tried planning something but it just didn't work out the way you want?
Plans do fail. Humans as we are, failure is a part of life. Attempting to plan for every step of your life is not healthy for you because the more you plan, the more likely you are to become upset when those plans are not realized.
Remember, plans don't always turn out as expected. Accept the present for what it is and live the moment. Plan as you feel it necessary. Save money for your family and kids. Invest in yourself through continuous professional development. Set goals for yourself and make them happen. That is what you ought to do. Never procrastinate.
In this pursuit of planning, don't forget about where you are in the present. Never put off something because you do not feel doing it. You need not wait until you feel like doing something in order to start doing it.
If your plans don't work out the way you want, then at least try to accept it without losing sight of your attempt to do it now rather than planning to do it