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”?