We have all had a Plan A at some point — that ideal game plan where everything comes together, all of our ducks are in a row, and we are well down the road towards achieving success.

Uh-oh, can you say disruption? How about unexpected events? Or maybe we can try something as simple as change?

Whether we like it or not, and whether we want to accept it or not, sometimes Plan A will get deep sixed. Could be our choice as we recognize the need to change and adapt, make modifications as necessary, and purposefully fall back on our Plan B.

It’s called contingency planning. Having back-up plans in place just in case we choose to shift gears or we are forced into making new decisions based on new information and situations. Some of us have Plans A, B, C, D, E, and F. We have back-up plans to our back-up plans. Kind of like having the emergency parachute in case the primary chute fails.

Disruptions and unexpected events seem commonplace these days. Economic disruptions, employment issues and challenges, healthcare change, unexpected home and auto repairs, untimely bills, and many other unwanted and unnecessary happenings force us to accept a new direction in life.

Our Plans B, C, D, E, and F could very well be a temporary thing as we strive to get back to Plan A or we just might find that the contingency plans have merit and will now become our new and improved, and permanent Plan A.

Over the past couple of years many people I know are wrestling with their original Plan A. Many of these folks would be considered wealthy, established, professional, comfortable, and secure individuals by most outsiders looking in and by most accepted standards. However, the economy has forced some into alternate decisions and directions, while some have gone back to work or taken on a second and third part time job to pay bills or feel more comfortable about retirement.

The point is this, planning and preparing is the way to increase our likelihood of success. But thinking through and developing a solid contingency plan is like adding insurance that will protect us long term. Take the time to ask the “what if” type questions. Have meaningful conversations with your family and friends about your Plan B and then take the time to commit all of your plans to writing.

Plan B is okay sometimes, and sometimes even better than Plan A. I would love to share contingency planning ideas through email at gotonorton@gmail.com and let’s make it a better than good week.

Michael Norton, a resident of Highlands Ranch, is the former president of the Zig Ziglar organization and CEO and founder of www.candogo.com.