In an era where everything is integrated and connected, there are certainly many obstacles in managing life from small to large scale. Consumerism that has become a culture due to the emergence of FOMO towards certain trends triggers the collapse of the priority system that a person has built. So if someone initially applies for a credit loan to be allocated to productivity, it will turn into debt when carried away by FOMO.

At the same time, an income if it is used too much but does not produce an equivalent return margin will lead to the Sunk Cost Falacy phenomenon. From an economic perspective, this is an activity where when a business is not running optimally, a person will add or invest in many things at once that should not be done. Optimally, the rule that applies in spending is that if there is an expenditure, there must be an equal return on what is spent (Quid Pro Quo). 

According to Sari & Wirakusuma (2016), if a project often adds things at once that should not need to be done in order to want greater profit or overcome unclear potential, it will make the continuity of a new project ambiguous. Sunk Cost Falacy in this case will provide a loss that cannot be returned coupled with the remaining excess purchase material. 

Strategic Planning is a risk management concept carried out by someone, especially the younger generation, to minimise the potential losses that occur in transaction activities or regulate daily economic turnover so as not to be affected by trends. Basically, strategic planning is applied by prioritising what to do in certain scenarios in order to achieve optimisation of financial expenditure.

There are several things that can be done for both pre-employment and workers in self-management activities, either as personal gain or collectively. For workers there are several strategic planning, one of which is investment. Investment is a passive activity carried out to turn the financial wheels either on a daily scale or a long scale, but before it is done there are several things that must be considered as a form of planning. 

One must often observe the world turbulence related to the changing world currency exchange rates that will affect currency exchange rates such as wars, demonstrations, and presidential changes. In addition, accuracy in stock selection will also affect the make or break of one's strategic planning. In placing money aside into stocks, it is important to remember in advance which stocks have a potentially profitable track record. 

Research on a company that will be the point of placement of assets is also something that must be considered, because a large company does not necessarily bring prolonged results. The last thing to remember is, pay attention to the dividend table given annually or monthly by the company because it will give the situation of the company. 

If one wants a more passive method then there are alternative avenues such as gold and Retail Government Bonds (ORI). Both assets are passive scale investments that one can make by setting aside a percentage of the salary received to be saved as gold or following existing government programmes. 

As for assets that can be processed such as housing assets that can be rented out as a form of long-term investment that tends to have a surplus, especially in strategic locations. Franchising can also be a path for someone who already has a business spot reference that is suitable and in accordance with the intended target market, but keep in mind the conditions provided by the franchise along with the split imposed in the MoU given by the Franchisor to the Franchisee.

Side hustle or what is called side work is also an asset that can be developed through the talents that a person has in order to achieve success without having to spend significant funds. If someone has additional skills such as Graphic Design, then someone can do freelance commission work which can be a source of additional income especially if they have several channels and have their own studio that does murals, logo works, branding, and digital illustrations as a form of personal branding that can support personal portfolio and public outreach.

In addition to strategic planning for workers, there are also strategies that can be applied to pre-employment or beginners in the world of work. Applying soft skills such as public speaking and networking will be a useful investment as a form of strategic planning for pre-employment or beginners. This is because with connections, it will be much easier for workers to find insight into job opportunities. 

The last thing to remember from all strategic planning recapitulations for UNDIRA students, especially for academics at the Faculty of Business and Management Sciences or the public, is to set aside everything that has been done to allocate pension funds in the form of savings plans or other passive assets. This is because the future will always change and a plan from an early age even before having their own families is an integral step for all levels of society.