“Life’s too uncertain to plan.”

That’s what another dad said to me at my son’s basketball class.
We had a great chat about money — and he made a point I hear often.

It came after I shared how most people I meet have bits and pieces of investments:
a property here, some shares or ETFs there, maybe even some crypto.

But what’s usually missing is a plan.
A clear strategy that ties it all together and points toward financial security.

He agreed that having a plan makes sense, but…

“Life changes so fast — you could lose your job, have another kid, move cities.
What’s the point of a plan if you can’t stick to it?”

And honestly, that’s a fair point.

But here’s the thing: uncertainty is exactly why we plan.

Because when you know what matters to you — and how your money is supporting that —
You’re better placed to make decisions, adapt, and stay anchored when life throws curveballs.

Without a plan, unexpected events can send you completely off course.
With a plan, you may still need to adjust — but you won’t be lost.

It’s not about predicting the future.
It’s about being prepared for it.