Often goals will deal with one specific area of your finances, which is fine if you need improvement in budgeting or getting out of debt, but then you are left wondering what you should tackle next or the goal will not benefit you in all areas of your life. The financial plan provides your next steps. It also takes the pressure off of one area that you may be struggling in and lets you focus on the big picture, which may help you with improving your budgeting skills or getting out of debt.