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Some of the things in life that you plan for and others that you don't are constantly in competition with each other. You may already have a general idea of what you want to accomplish that requires money. For example, the purchase of a home and having children, as well as paying for their educations and marriages. A broken-down automobile or hospital bill can put a burden on anyone's finances, regardless of their financial situation. With a financial plan in place, you can develop yourself no matter what life throws at you - by savings and investing in financial vehicles which are specifically tailored to your goals. To avoid being taken by surprise by life's twists and turns, it's a good idea to consult a financial counsellor.