Financial Planning- how far does it help?

The idea behind financial planing is to ensure greater wealth, financial security and attainment of financial goal in short. Of course saving for the rainy day comes in very handy, but what if the rain starts as a drizzle and continues over the course of time causing constant damage from the start. My emphasis here is particularly towards the decision by the U.S. government and the Federal Reserve to cut short term rates to encourage borrowing which has had a catastrophic impact on the savers of the country. The interest rates have been very disappointing from the point of view of the saving consumers though the decision is seen as a good one for the economy of America. Turns out not so good for Americans.
My question here is on the importance and extent of financial planning. I do understand that it's the sensible thing to do but it doesn't change the fact that many things today still are controlled by market forces or induced forces, the answers to which not any financial planning can come up with but the larger understanding of the power and sensible use of money by the Government.

Benefits of Sinning.

Having read a bit of Personal Financial Planning in the recent past made it quite hard for me to not take note of the term Sin Tax in Investopedia the other day. The term is explained as the state sponsored tax added to products like liquor, tobacco, alcohol, gambling etc to discourage consumers and reduce their consumption. These taxes needless to say generate massive government revenue.
What caught my attention here was finding a connection between the principle of Game Theory popularised by Dr. John Nash, who inferred that performance of one player directly affects the performance of the other, and the given form of tax. In the case of the imposition of the Sin Tax, the government totally depends on the decision of the other player, the consumer, to reap the benefits of tax. This would also be indicative of the government making money out of the "not so good" consumer decisions but from the economic perspective it generates revenue in the form of tax. Now though this may seem like a one sided game benefiting only the government, it reminds me also of another theory by Adam Smith which states that the best results in a group come from everyone doing what's best for themselves and the group. Now what puzzles me here is the criteria for judging what's best for the two parties (the government and the consumer), obviously liquor and tobacco and alcohol can't do much justice being termed good but yes income for government does stand good. The tax thus can be viewed from two perspective: The Game Theory perspective allows the government to benefit only when the other player makes the expected move and Adam Smith's theory of doing what's best for all so that both the parties benefit, gives another dimension of viewing it, the definition of benefit though remains ambiguous.

The Preview of The Mind

I haven't had any formal relationship with Quantum Physics but I have had the chance of making acquaintance with it through the few scholars and "thinkers" I have spent time with and have now come to think of as good friends. They tell me that QP shows us the possibilities in this world, the limitless magnitude of things existing and even those that COULD exist. Another way of looking at it would show that our minds see only what we want to believe in, we are the creators and generators of reality. These physicists believe that there is constant movement happening all around us...things are happening endlessly and we are surrounded by it from all sides. And it is from these movements that we choose moments and see them as possibilities. For if reality were perfect and if every movement in existence was complete by itself then what difference would my being here or not being here make!Would it not make any difference whether I HAD skills, knowledge, intelligence,or NOT! Mathematics can give you assumptions and theories. But it's entirely up to YOU to choose the experiences. A paradigm could be that of the existence or non existence of God. Many believe IN it, many DON'T. The existence or non existence can't be proved with a theorem or derived from an equation, it boils down to the simple fact that the truth lies in the true understanding of the media around you. It's what you choose to see and how you perceive it that defines rationality for you. In my view there is no good or bad, it is all in the understanding of the mind that we perceive what to do and what not. Well, how now do we gain that understanding? Don't be hypnotized by the things around you, if the universe is as infinite as we think it is, and in that infinity if we are still existing, it has to be for a mighty cause, a reason so great that it sure might make the human mind look inadequate to comprehend such a thing! The truth lies here, the greatness of any human lies not in what he does to his body but rather what he does to his mind and what you do to your mind is limitless. Everything that you can think can be achieved. Change your mind, change your habits, change your circumstances, change your life. I believe that nothing is impossible to change. Talk of an addiction...if you are addicted to anything, it's only because you don't know how to dream better! When you let your mind go to places you thought impossible, reach out to things you consider inaccessible, you will realize you are already there! If it was really impossible it wouldn't exist and you wouldn't know of it. If it exists, it IS possible. Whether everything in the universe is synced or not, turns out the mighty infinite universe could still use us. We are put on the face of the earth to be creators..to make use of our gifts and intentionality. Let nothing interfere with your work of creating and building understanding. And when this happens you will find yourself so lost in knowledge that from there you will only witness the greater glory and manifestation of who you become. There is no loss from that point on..no failure because you will realize that you have already gotten to the place where reality meets the impossible!