It's good to have a plan, but it's good to remember that it doesn't necessarily have to be cast in stone.
I had a plan to go at 60, but had an opportunity to buy somewhere reasonably priced and within my means 3 years prior to that milestone. It was initially intended as a holiday home for us, but after the second visit we realised that we just wanted to be there, so with slight adjustments to our plans, we went for it.
You only live once, make the most of it. I think it was John Lennon who said 'Life is what happens when you are busy making other plans'