“1) from a frum perspective and having bitochon there is no reason a young 22 year old boy sitting and learning needs a “plan”. Look at the thousand of boys who have gotten married without a “plan” and are b’h doing great even financially. Apparently their “plan” is to trust in Hashem, which in my humble opinion is a great plan!”
This is not a plan. This is called sitting on your tuchas and doing nothing except make believe you are frum, like a pig who sticks out its split hooves.
Hishtadlus is not saying I believe hashem will make it rain money from heaven.