A sage stated that those who fail to plan, plan to fail. The definition of failure, like that of success, is unique to the individual. Similarly, a plan for success needs to be a personal plan.
Personal planning is similar to planning a trip.
Just as a potential traveler envisions the destination, so must an individual envision a future. Just as a potential traveler sometimes settles on a different destination or a different method of travel based on the calculations of costs, so must an individual adjust the envisioned future if it is unattainable. However, a potential traveler may make the decision not to make the trip, while an individual has no option but to travel into the future. The future will be like the present, so I don't need a plan. Few people are able to work and accumulate earnings indefinitely.