We must distinguish between a work plan and a success plan. We can't plan to buy a car next year if we don't have enough money or income next year to buy a car. What we can do is plan for readiness to buy a car.
When compiling a plan, what we make is a work plan, not a success plan. A person can make a wish list and write in a plan book what he will buy even if he has no money? But a plan like this is just an illusion.
What must be arranged is to save according to ability. With these savings, an investment plan is drawn up based on clear data from our income portfolio. When the money is close to the price of the car, then we can make plans to buy a car.
Planning for success is like a fantasy but planning work to achieve success is a real thing.