OTTAWA -- If you want to save for a car, a home, a vacation or your retirement, an Ottawa money coach suggests the first thing you need is a plan. "I think if people don't have a plan, they don't really do it," says Janet Gray of Money Coaches Canada. "If I have a plan, I'm committing someway, somehow to do that. So I think they're kind of one in the same. If you don't do one, and you just leave it to haphazard or coincidence or the spur of the moment, it doesn't really happen or it will happen and you won't get the results that you want to get."