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Goal based planning may not take into account incremental increases in income as years pass. When goal such as children's education is achieved, surplus is created.
Cash flow planning takes into account incremental increases to income. As income grows, investment surplus also grows. That surplus can be taken to achieve current dreams and needs such as taking a holiday abroad.
It is better to review and reset the goal than to change planning process.Surplus if generated can be utilised in revised goal. It may not happen always. Any new idea is welcome but evaluate results before affecting changes.
