While waiting in line to get coffee this morning, I overheard the couple in front of me discussing their challenges from the prior evening. Not marital challenges; as they appeared to be the picture of happiness holding hands while patiently waiting for their morning caffeine. They’re troubles were as a result of last night’s dinner experience. Not having reservations on a Friday night, the couple had entered a neighborhood restaurant recently having received laudable accolades from local critics. As they entered the space their senses were overcome with the aroma of fresh herbs and homemade desserts while their eyes remained intensely focused on the rack of lamb being delivered to a nearby table. As enthused as this couple was by the prospect of dining here, their dream was quickly squashed as the host shared news that no table was available tonight, or for the next 3 weeks. I do not know where they ended up for dinner, but they continued to discuss how next time, they will plan ahead and make reservations prior to appearing at the city’s newest hotspot on a Friday night. Planning matters; and it matters in all aspects of our life. Whether we were denied dinner service at a restaurant of choice due a lack of planning or find ourselves struggling to make mortgage and education payments following the loss of a spouse, having a proper plan in place can help ensure that when the time comes, you will not only be prepared, but also able to face what lies ahead with confidence.