Is it good or bad that many young men don’t have a “plan” for parnassah? Should they have one?

Should young men in yeshiva develop a plan for parnassa? If so, when?Does having a parnassa plan also apply to those going into teaching and rabbanus?Is “I want to learn” enough of a plan?Does having a plan apply to young women?Do girls in shidduchim ever ask “does he have a plan”?Do boys in shidduchim ask: “does she have a plan for supporting a family” or “does her family have money”?