The best plan is His plan.
Who's plan are you following, God's or your own? You may get away with following your own plan for a time, but in the end, if your plan doesn't match up with God's purpose for you, look out. That said, don't view life interruptions that may come to light because of this discrepancy negatively, as they are God's "invitations" to you to have a relationship with Him.
The best thing you can do right now is repent and surrender your life to Christ, if you haven't yet (Romans 10:9-10). Don't wait for an emergency. Don't look at all the success you've had so far in life and think you don't need God (because who do you think allowed you that success?). When you give your life to God, you will have a newfound peace and purpose that will transcend money and all things of this world.
Be obedient to God's calling in your life. First by letting Him into your heart, and then by "listening" to what He wants you to do after that. God is only good (Mark 10:18). He is not out to harm you (Jeremiah 29:11), so Trust in His plan for you instead of your own. It's not too late (until you're gone that is). Don't wait and make that mistake, as it's not an accident that you are reading this right now. God "is" pursuing you.
Additionally, if you're ever feeling under attack because of these life "interruptions", remember this, the devil wouldn't be messing with you if he didn't consider you a threat! God wants to use you (your past mistakes, warts and all!). "Submit yourselves, then, to God. Resist the devil, and he will flee from you." (James 4:7) Welcome the struggles that come your way, as they are strengthening you into the person God wants, and is "preparing" you to be (Romans 5:3). Be obedient and let God worry about the outcome. Start today, I promise that you will not regret it.
"And we know that God causes everything to work together for the good of those who love God and are called according to his purpose for them." (Romans 8:28)
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