You like to dream big, right? It's a great feeling to imagine what you can do today to make life even greater in the future. When you think about the future, though, and your goals, are you being honest with yourself in regards to your money and expenses. If not, you could be setting yourself up for failure. That's where a plan that is revisited at least annually comes into play. Check out this flyer for more detail.
I particularly like the example of a client that starts calling in for extra money because they didn't see it as a regular expense. The truth is, this does happen. As an advisor, I can tell a client every time that they are taking more money than planned which creates a higher likelihood it won't last. Usually the argument is, "I know, I really don't want to buy I need to."
The point is this: create a plan if you don't have one. If you have a plan, great. Stick to it and revise as circumstances dictate. Nothing is set in stone, but a plan will help get you where you want to go.