5+5=?

How does someone go though life planning everything ahead of time. I guess it's good to set goals and what-not, but to come up with a plan and try and live by it? I guess I grew up with too much uncertainty in my life to actually commit to a plan that is longer than 3 weeks. It seems like everything I ever planned on got disrupted.

Yup, didn't plan on failing 7th grade
Didn't plan on losing almost everything when I was 16
Didn't plan on working at church
Didn't plan on playing an instrument
Didn't plan on a lot, yet things seem to fall into place.

So I need a plan I guess. I have a vague image of what I want within 5 years. A job I can enjoy each day, a wife, the possibility of kids, a decent place to live (for Cali standards). But what I can't bring myself to do is come up with freaking details. Settle for stability, or live on the edge? I don't know which I am called to. I don't know what decision I need to make.

I don't know how to go about it. I hate thinking too much about what is to come, yet I would be irresponsible if I didn't have something planned. Life is the ultimate time bomb. You only have so much time until in blows.