Is a plan necessary? In order to reach the 10K, some people like me needs a plan, while some others are more intuitive and simply needs the end goal. It is up to your personality and the way you like to structure yourself.
Even if you have a plan, you should be flexible about it. Your selected 10K goal might change throughout times. The industry that your goal lives in might change. And many other factors also will sometimes be a subject of a revision.
For example, Warren Buffett said he was “wired at birth to allocate capital”, his company does not explicitly have a plan in place when acquiring other companies or doing business, they just go along. Despite of this, his company has one of the markets biggest capitalizations. Would you be able to act the same way but for “You Corporation”?
I am shaping a tool in order to create that plan. When completed, I will post it. Until then, share and comment!