Some of us are innate planners. We keep a detailed calendar, we plan a menu for meals weeks in advance, our retirement accounts are up to date and we even have a burial plot picked out and paid in advance. Others of us are more free spirits. We go on

vacation with out a set destination, we save up for lunch that day and we will hopefully, eventually get to our appointments. But even the biggest free spirits among us recognize that somethings are worth planning.