This is exactly why I think financial plans are junk! But the financial planning process is so valuable. Understand your goals and move towards them directionally. Obviously, we'd all like to achieve our goals, but thing never go exactly they way we plan whether we're talking about finances or anything else.
A lot of personal finance rules make so many assumptions they're basically useless
http://www.businessinsider.com/a-lot-of-personal-finance-rules-make-so-many-assumptions-theyre-basically-useless-2015-2
