You can line everything up, plan in advance, have all your ducks in a row. Yet something will always go wrong. Mr. Murphy and his law will always throw a wrench in your plans.
In your personal finances, you can have a plan in place and be totally committed to achieving your financial goals, but life will drop an obstacle in your path. Maybe it’s having a baby, a job change, or an unexpected crisis. Sometimes things happen that can throw your plan into disarray.