Plan all you want, luck, and government, still plays a big part in where we will end up.  Good luck if you were born after 1970, the year that income stagnated and wealth began to decrease for all but the top 10% here in the U.S.  It's too bad that working together is seen as a bad thing by the Grand Old Party.  Ahh, that sucking sound....
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"As mass production has to be accompanied by mass consumption, mass consumption, in turn, implies a distribution of wealth ... to provide men with buying power. ... Instead of achieving that kind of distribution, a giant suction pump had by 1929-30 drawn into a few hands an increasing portion of currently produced wealth. ... The other fellows could stay in the game only by borrowing. When their credit ran out, the game stopped."
-  Marriner Eccles.  Frontiers: Public and Personal Recollections.  1951