[prawks]

You need plans (however rough) to achieve goals.

It's also quite unlikely that they summarized the entirety of their lives in ~6 sentences. Nuances and changes of plans aren't mentioned. These summaries are in retrospect. The plans are plans, and subject to change.

I think it just so happens that when you look at comfortable people's lives from 30,000 feet, they look similar. "I was young, did a bunch of fun stuff, thought about the future", then "I started a family, or got less risky", then "I know what I want to achieve next".