Situations change, and the timeline you currently have in mind may not work out quite the way you were hoping it to. Things may be sped up or they may not happen as quickly as you like. You can continue to prepare so when the time is right, you are ready for the next step in the plan. Be sure that you are always saving for retirement no matter what stage of the plan you are working on, and you should be able to change your financial situation without the stress that may come with setting goals. If you are single, you’ll have a different plan than if you are married, but you should still have a solid plan with smart financial moves planned out.