When the water rises to your chest, the "two-week rule" comes into effect. You don't make any plans beyond two weeks. You think you can hold out that long, but you're not sure what's going to happen after that. There's no point in starting anything you won't be around to finish.
When the water is up to your neck, the very idea of plans becomes meaningless. If you could think about it, you might say you're living by a "two-day rule", but even that seems like a stretch.
When the water drains a bit, you start making plans again, thinking about what you want to do, now that you're not in immediate danger of drowning.
This is a mistake. You shouldn't be making plans. Plans are the enemy. Skip the planning, and go straight to action.
If you leave plans in your head for any length of time, they'll twist into hideous shapes, grow teeth, and graw on whatever they can find. You don't need that kind of stress, you've already got enough.
I'm not saying that if you think about taking a road-trip, you should immediately jump in the car and race off to Canmore, to see if that Chinese restaurant you liked still exists. Instead, book vacation time, and get an oil-change. Start the sequence. No-planning doesn't mean no-preparation, but it does mean you need to take a first step, instead of sitting on your couch and marinating in plan-apple juice.