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.
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?
