A few months ago, I came across a story online about a pharmacist who invested in cryptocurrency and, overnight, believed he had become a billionaire. Perhaps it was friends who told him the coins he bought for a few cents had suddenly risen by over 5,000%. Without verifying, he quickly handed in a resignation letter, rudely too, ready to live the “new rich life” he thought awaited him. Only hours later, the coin collapsed and became worthless. Imagine waking up to the reality that your “fortune” had vanished, and the only thing on your mind was how to beg the same boss you had insulted publicly to take you back. Stories like this remind us why many people lose faith in planning. After all, don’t we hear that “plans hardly succeed”? Mike Tyson once said, “Everybody has a plan until they get punched in the face.” Many take that as an excuse to live without structure, just taking life as it comes. But I believe differently: we must plan . And as Nick points out in one of the devot...