You don’t need a parachute to skydive; you only need a parachute if you plan to skydive twice. Likewise, you don’t need a good financial plan, you only need a good one if you plan to keep your wealth.
As a child, each of us had dreams of who we wanted to be and what we wanted to accomplish. As we mature, we begin to lose sight of those dreams and aspirations as the daily reality of life takes up more and more of our time.
None of us are so talented that we don’t need help.