Nothing is certain in this emerging universe where we reside, where each moment is one that had never existed before. The person you are today may not even exist in two years time, so to plan on a moment in the future that is tangled down miles of a tree of forked roads is just silly! You will never be in any position you will ever plan for and you wouldn't want to be anyway. By the time you get to that point the person who did the planning would have ended up using outdated information, as if they were completely ignorant of what the future held in store.
Crap, I should have said "except death and taxes" after nothing is certain, that would have been priceless... guess a little planning can be a good thing after all.