If you are doing economic activities, anyone must have a financial plan.
No one has ever been rich to begin with! Investing is half done. How you start makes a lot of difference later.
Are rich people rich? A lot of money is 'asset'.
There are many definitions of rich people, but if I need a certain amount for a certain goal after a few years, if I have that money at that time, I can say that I am rich.
Everyone's life is different. Financial planning is to establish a plan that fits your life and execute it correctly.