Umm I do Both, i plan for most of the part, but I keep room for the unexpected. I divide my plan into short term goals and long term goals. For every goal, there is a rough plan, which becomes fair and concrete as the deadline of the goal comes close. For every rough plan, there is a possibility that it simply won't work out. Life will happen anyway, and I will take it as it comes, Of course, I can't pull it off every time, but I try to get many things on the platter as possible. It does sound like a lot of work, but with the possibility that the plan won't work out, it prepares you to take life as it comes.