What’s your financial plan?

It’s not very often that you come upon a thought provoking passage in a text book.  However, this morning while studying for my Certified Financial Planning class I came across this excerpt:

Individuals and families with no formal financial plan actually have an informal financial plan.  This informal financial plan is their historical pattern of financial decisions and financial behavior…

I guess the question then is whether or not a persons financial behavior is leading them to the financial outcomes they desire.