Planning is a wise thing but sometimes we can take planning too far. We want to have everything set for the next 10 or 20 years. The thing about life is that it has its curve balls. When we think too far ahead it can make us begin to worry about what can go wrong.
It is good to think ahead and have an over all plan but it is also important to be flexible.
I have learned that it is easier to trust God and take life one step at a time. It is good to have a safety net whether that is food or money but God should be the main safety net.
Matthew 6:25-33 KJV — Therefore I say unto you, Take no thought for your life, what ye shall eat, or what ye shall drink; nor yet for your body, what ye shall put on. Is not the life more than meat, and the body than raiment? Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them. Are ye not much better than they? Which of you by taking thought can add one cubit unto his stature? And why take ye thought for raiment? Consider the lilies of the field, how they grow; they toil not, neither do they spin: And yet I say unto you, That even Solomon in all his glory was not arrayed like one of these. Wherefore, if God so clothe the grass of the field, which to day is, and to morrow is cast into the oven, shall he not much more clothe you, O ye of little faith? Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed? (For after all these things do the Gentiles seek:) for your heavenly Father knoweth that ye have need of all these things. But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.
So take life one step at a time and trust God to help you along the way.