It is hard to stop planning--to go from preparing, which is safe and a bit fun, to actually doing. It can be hard to actually use stuff you've been keeping for that special occasion or rainy day. But that is why you were keeping it in the first place!
Studying is ultimately about performance on the test. Practice is ultimately about playing in the game. Planning is ultimately about execution. Saving is deferred but eventual using.
Here is some good advice on converting planning into doing.
Here is the case against 'just-in-case' items.
Often we are not actually planning at all--we are just daydreaming. Daydreams can be ends in themselves, but their seductive allure can be destructive as they can be the antithesis of achievement. Daydreaming can be the first stage in the three-act progression (dream-plan-achieve). It can also be a fantasy world that doesn't and won't ever exist. Recognizing which one you are engaged in is vital to success. It is easy to confuse yourself in this regard and easier still to confuse those who are making their own plans around yours.
My advice, which is for myself as much as anyone, is to not allow the 'someday I'd like to ...' daydreaming without honestly identifying if I am writing fiction or making plans. Ideally this would avoid the confusion of daydreaming as ends and daydreaming as means. Get busy living or get busy dying. There are enough real constraints preventing us from 'someday' being 'today'. Life doesn't need any help with roadblocks. Aspire to the end result, but admit that aspiration is just fruitless desire in the absence of actual progress. Plan to do.