When taking a journey, we plot our route and work out how we’re going to get from A to B. Not just knowing where B is, but having clarity in when we want to reach our destination. What we can’t know is when and where we’re going to hit the congestion and more importantly how we’re going to navigate around it, indeed if at all. That’s precisely what financial planning is. Establishing that route from A to B and knowing what we’re going to do when something presents itself to throw us off course. Life is for living and to us, that's what counts.