A plan without a strategy is not effective. First clarify the future you want (dream). Put that future into your context – your unique circumstance and environment. Refine your dream. Make clear choices on how you will attain your dream (strategy). Put in place a clear plan (work plan specifying activities you will do to achieve your dreams in line with your strategy). Alex is a 23 years old, fresh graduate still looking for a job. Alex’s dream is to make money. Buy a car. Build a house. Marry and have children. He plans to have a first born in…