Something you can actually use

The plan we put together does not seem to be an exercise in theory. We had a chance to cover family matters, future income, and how priorities might shift, instead of being tied to some rigid concept. I found the advice to be of far more value for that reason. Nobody expects life to go exactly by the book, so I needed to keep some room for the unexpected and for real-world responsibilities. It is much more practical than a neat plan on paper that ignores reality.