I believe that while it would be nice to live day to day (a luxury in fact), planning well ahead becomes a necessary evil in life, especially as you become married and then parents. Things have to be planned out, or you will miss important deadlines, holidays, and responsibilities that you will not easily be excused for. Especially with children, planning ahead makes your life possible to live without being the constant deadbeat all the time! There is just so much to remember to be on top of, socially, with school, activities, and family. Looking far ahead and being well prepared reduces much stress in the moment.