I believe I have written before that this is my biggest challenge. I do great once I have a clear goal (whether I generate it or it is given by others), but I can have a hard time getting to that point if nothing is driving me there.
That is the biggest challenge in life too!
In fact, each of us must ultimately decide what to focus on. Allowing others to do that will almost certainly take us to a place where we do not want to be. While the individual decisions may seem fine, each one may take us farther from a goal that we would be really satisfied with.
I do not believe you can really plan your entire life out, though a few people do seem to come very close to that. Life has a way of stepping in the middle and messing up the best plans. That should not be used as an excuse to not do anything though. It is far better to aim at something and adjust your aim, than to aim at nothing and hit it!