Yes, I know that your career will not be as instantly impacted in 2013 by not creating a plan as the US economy might be impacted by not creating a plan to deal with a host of things Congress and the President have set in motion to happen on January 1. I wanted to grab your attention and it appears that cliff is a powerful word, but in reality if you do not create a business plan you won’t fall off a cliff. Instead, you will simply not climb the mountain of your career as well.