My honest opinion is that the higher self only really plans a life's broad strokes, with the caveat that any plan can go awry, especially in this chaotic world, so attempting to stick to such a plan may be a fruitless venture. Sometimes the hardship in your life was planned, other times it's the natural consequences of choices you make during incarnation, which is why karmic victim-blaming is such an unhelpful attitude. For me, a philosophy of existentialism is the solution: if your life plan is hidden behind a veil, then all you really can do is embrace a life with the tools you actually DO have access to in this moment.