I'm sure you enjoyed having that much during those times. And that's privilege of being young, to be able to make mistakes and learn from it. Sad part is, I think you took too much for a learning. Kidding aside, yeah, planning makes things more predictable and makes you feel more powerful to live the life according to how you want. Also, it's great to have something to look forward that makes life worth living. Personally, I have very few big plans for myself which includes what I want and what I need, and the rest is just about planning one day at a time. I believe preparing for emergencies is as important as enjoying life.

But yeah, planning comes first first, especially if you can't afford to enjoy.