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Economic uncertainty is real and scary, but giving up on planning is like stopping sailing because there's a storm! What does change is how we plan - more flexible goals with multiple possible paths, diversifying income if we can. Your sister did her thing and that's not naïve, it's taking a conscious risk; a lot of people regret not trying more than they regret trying and failing. The question isn't whether you have goals, but whether those goals let you adapt fast when everything starts shaking.

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