[Jtsummers]

Never? You never planned to start and finish university? You never planned to make a large purchase (like a home)? Never planned a project that was going to take longer than a few months, possible requiring years of time? Never had a long-term relationship, which often requires identifying shared or compatible life-goals to make it sustainable?

At some point, like budgeting your income, planning has the effect of reducing the rat-race feel of life. I always had enough money, but once I started budgeting it, I had an abundance of it (recognized needless spending, directed my goals more effectively). Losing weight was a long-term goal for me, I got there, and then it become a long-term goal of being truly fit, not just a healthy weight but a truly healthy body, which is a lifelong commitment.

[cobalt]

Hmm to that I would say, I expected to finish college (and I did) but It wasn't something I planned. I did it one semester at a time until i was able to leave. Also, I put money away, but I am not planning for anything (at least at the moment) - I would say you can budget for possibilities in the future without directly 'planning' them.

[Jtsummers]

Savings in a straight savings account? CDs? Investments? If the latter, you're planning (even a little bit by selecting the right date-targeted funds).

And you just winged it in college? No clue what the next semester would hold? Never selected classes because they were needed for future classes and/or graduation requirements?