Do you have ambition? Do you have a dream? Do you want to achieve something?
Then you need planning.
To get to your target, you must have a solid plan. Without it, you wouldn't know which way to go, which route to take. The plan that you make, does not need to be complicated. Just a mere of how, when, what, why, where, will do. Normally, for me to make up plan, it would take 10-15 minutes of thorough thinking.
Let say you have a target of $100 000 savings. So that is the target, how will you get $100 000, When will you achieve it? Which method will you use to get savings of $100 000? Why you need to save $100 000 (this could be the driving force for you)? And where will you get the money?
The planning will start when you start answering these questions that you have made. And then aiming at this target require determination and action. A plan is just a plan until you take the first step. You will find boundaries, but overcoming it will take yourself a step higher. And soon you will realize, that you are capable of achieving anything that you aim for.