Absolutely yes! Whilst it IS true that some people have had awful run through no fault of their own, the lack of vision is the killer for most people. I had my epiphany moment a while back as to where I wanted to go and what I wanted to do, whereas before I'd just went through life on a stream of making ends meet and never thinking beyond that, wondering why things weren't looking up and why opportunities weren't coming my way. A plan and a vision does wonders for self esteem and your drive to succeed, instead of never thinking beyond your next sum of cash.