If we need a plan or think we need a plan, does that not imply that we do not have what we desire. All the gurus drone on about placing desire in the now. You have it now. If that's true (which it is) then seeking a plan or planning (again) implies you don't have it, which of course is a contradiction.
So how do we get what we want when we see we don't have it?
The trick lies in accepting that you (human you) doesn't do any of the creating. You are the sum total of conscious output. This is why creating stuff takes time. Firstly you're denying you're the creator (it's not my fault you say) and secondly, when you do create something, when something happens that you intended, that something came about through conscious choice and then you got in the way and slowed the whole creation process down.
You don't need a plan, there is no plan required, sure it looks that way, because you want something and then there seems to be a process that manifests it, but this is all a drawn out sometimes painful process, that can shortened and negated if you realise the truth.
You already have what you desire and you already have it right now.
Believe that and then observe what happens...........and try to get out of the way, mostly you are the annoying barrier that stops consciousness (what you really are) from creating stuff you want.
If you could identify truly with consciousness you'd see that your human body and your human mind (while necessary to observe creation) are at best a barrier for creation. While wonderful to observe, it's often a spanner in the works of creation.
If something is going wrong, then you're creating it, sit back relax and let go of creation, jump out of the driver's seat, hop in the back seat and let consciousness take the wheel and steer you where you want to go. Consciousness is sitting in the back seat watching you criss-cross all over the road, running down people, crashing and burning, getting in trouble with the police. It's a really honest back seat driver saying "look, if you'd just let me drive, we'd get there faster and smoother" but mostly you are that maniac that appears on police video show 'ploice chasers gone wrong'
Max