This makes so much sense to me. For decades I think I just assumed everything would work out ok in the end. Then one day I took stock and realised I was trailing behind everybody else, not just materially but in terms of a vocation/career that enthused me, a relationship that fulfilled me........... so I had to start planning, saving, working, basically just over riding that default assumption that everything would be ok. I had to be a bit less confident that life would reward me. Why would it!?