"There are two kinds of business plans"
THAT's the problem! We get so used to lying that we can't do a real plan for ourselves anymore. Give a different name, not "business plan".
There's a Jewish fable about a thief who lived in a poor town, where nobody had too much. When his daughter was to get married he came to the town charity to ask for help. The rabbi said: Why didn't you put aside a small amount of money every day for you daughters? He answered: I'm a thief. If I steal from my neighbors wouldn't I steal from myself?