How to Create a Life Plan

ImageAs you may know, I wrote an e-book called, Creating Your Personal Life Plan. It has been downloaded more than 170,000 times. In this episode, I share what a life plan is, why you need one, and how to begin creating one.

Over the course of my life, I have worked with a lot of planners. As a corporate executive, I’ve worked with strategic planners. As an individual, I’ve worked with financial planners. Now, as a speaker, I work with event planners. But I have met few life planners—people who have a written plan for their lives.


 Over the course of my life, I have worked with a lot of planners. As a corporate executive, I’ve worked with strategic planners. As an individual, I’ve worked with financial planners. Now, as a speaker, I work with event planners. But I have met few life planners—people who have a written plan for their lives.


ost are passive spectators, watching their lives unfold a day at a time. They may plan their careers, the building of a new home, or even a vacation. But it never occurs to them to plan their life. As a result, when they get into their 40s, 50s, and 60s, many of them are left wondering what went wrong.

They have become victims of The Drift. This is a metaphor for living without a plan.

Unfortunately, most people don’t change course until something traumatic happens that gets their attention. For me, it was thinking I was having a heart attack. This was when I created my first life plan.

What is a life plan?

A life plan is a short written document (8–12 pages long). It is created by you for you. It describes how you want to be remembered. It articulates your personal priorities. It provides the action plans necessary to take you from where you are to where you want to be … in every major area of your life. It is most of all a living document that you will tweak and adjust as necessary.

But don’t be deceived by its brevity. Length does not necessarily correlated to impact.

  • The Gettysburg address is only 256 words—a little more than a page.
  • The Declaration of Independence is 902 words—about four pages.
  • The Sermon on the Mount is about 2,500 words long—about eleven pages.

A life plan contains your answers to three powerful questions.

  1. Question 1: How do I want to be remembered?

I have often found in planning anything that the best place to begin is at the end. What outcome do you want? How do you want the story to end? How do you want to be remembered when you are gone?

In a Commencement Address at Stanford University, Steve Jobs said it this way,

Remembering that I’ll be dead soon is the most important tool I’ve ever encountered to help me make the big choices in life. Because almost everything—all external expectations, all pride, all fear of embarrassment or failure—these things just fall away in the face of death, leaving only what is truly important.

In creating a life plan—and answering this first question—it is helpful to identify the key people in your life. How do you want them to remember you? I have seven individuals or groups that matter most to me:

  • God
  • Gail
  • My children
  • My parents
  • My colleagues
  • My friends
  • My followers

Then I wrote under each one, how I want them to remember me. For example, under “Gail” I wrote:

I want Gail to remember how I loved her, understood her, and helped her accomplish her dreams. I want her to remember specific times that we shared together—times we laughed, times we cried, times we spent discussing things that were important to both of us, and times we just held one another and watched the sunset.

Under “My Colleagues,” I wrote:

I want my colleagues to remember my servant-leadership, my integrity, my humility, and my commitment to having fun. I want them to remember how much they learned and grew as a result of knowing me. Most of all, I want them to remember how I stood for the greatness in them and empowered them to accomplish far more than they ever thought possible.

Mark Twain said, “Let us endeavor so to live that when we come to die even the undertaker will be sorry.”

  1. Question 2: What matters most to you?

Maybe you have never given yourself permission to ask this question.

  • You know what’s important to your parents.
  • You may know what’s important to your spouse.
  • You most certainly know what is important to your boss.
  • But WHAT is important to you? What matters most?

This is a question about priorities. The life plan is built on a metaphor that compares your “life accounts” to bank accounts. Each account has a certain value. Again, let me illustrate from my own life plan. I have eight accounts:

  • Spiritual
  • Self
  • Gail
  • Children
  • Friends
  • Career
  • Finances
  • Ministry

#1 is no surprise. Spiritual people often put that account first, but after that, they often get confused. What comes next? your spouse? your kids? career? I want to suggest that you consider putting yourself next. What does the flight attendant say right before the plane takes off?

In the event of a change in cabin pressure, panels above your head will open revealing oxygen masks. If this happens, reach up and pull the mask toward you until the tube is fully extended. Place the mask over your nose and mouth, slip the elastic strap over your head, and adjust the mask if necessary. Breath normally and know that oxygen is flowing. Remember to secure your own mask before assisting others.

The bottom line is this: If you don’t take care of yourself, you can’t take care of anyone else.

  1. Question 3: How can I get from here to where I want to be?

The other day I got to thinking a life plan is like a GPS System. This is true in at least seven ways.

In creating your life plan, you then create an action plan to get you from here to your destination. You do this for every major area of your life.

It consists of three parts. (In the e-book, I actually have five parts, but two of them are optional):

  • Envisioned Future. This is where you describe how the account looks when you have a “positive net worth.” You need to describe the account when it is functioning at its best, using the present tense, like it is already a reality. For example:
  • My Health Account: “I am lean and strong, possessing vibrant health and extraordinary fitness. My heart is strong and healthy. My arteries are supple and clear of obstructions. My immune system is in excellent condition; I am disease-, infection-, and allergy-resistant. I have more than enough energy to accomplish the tasks I undertake. This is because I control my mental focus, workout six days a week, choose healthy foods, take supplements as needed, and get adequate rest.”
  • My Children Account: “I am close friends with each of my children. I demonstrate unconditional love and acceptance. They love to spend time with me because I am a good listener, a positive encourager, and a creative problem-solver. I am a mentor, teaching them by word and deed. Whenever they wonder what it means to be a spiritual leader, a loving husband and father, a committed friend, or a successful businessman, they look at me and model my behavior. I am the patriarch of a dynasty of influential children, grandchildren, and great grandchildren. Together our lives are changing the world!”
  • Current Reality. Now it’s time to be brutally honest with yourself. Where are you in relationship to your Envisioned Future? Don’t pull any punches. The more honest you can be, the more progress you will see.

I list these as a series of bullets and try to write down the first things that come to mind without too much analysis. In my Health account I said:

  • I feel great. My stamina is great. It has been a long time since I have been sick.
  • I feel good about my weight and my overall fitness.
  • I am running four days a week for at least 60 minutes.
  • I am not presently doing consistent strength training. I am concerned this will eventually catch up with me.
  • I am eating pretty well, but I could be more consistent in avoiding high glycemic carbs.

I would share more, but, frankly, it’s too personal. And that is just how you want it. You want it to be so personal and so honest that if anyone else read it, you would be embarrassed.

  • Specific Commitments. This is where you specifically commit to certain actions in order to move from your Current Reality to your Envisioned Future. Again, I list these as a series of bullets.

Using my Health account as an example, here are my specific commitments:

  • Run (or cross-train) four days a week.
  • Do strength training three days a week.
  • Drink two and a half liters of water a day.
  • Make healthy food choices (a la The South Beach Diet).
  • Get an annual physical and semi-annual dental check-up.

One of the beautiful things about a life plan is that it harnesses the power of incremental change over time.


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