Which of the following should NOT be included in a financial recovery plan?

The inclusion of plans for luxurious vacations in a financial recovery plan is not advisable as it does not align with the primary objectives of financial recovery. A sound financial recovery plan is focused on stabilizing one's financial situation, which typically involves strategies for managing debts, increasing savings, and creating a financial buffer for unexpected expenses. Prioritizing long-term savings goals, immediate debt repayment strategies, and emergency fund development are all crucial elements that contribute to rebuilding financial health. These aspects help individuals address current financial challenges and ensure preparedness for future uncertainties. Therefore, the emphasis on discretionary spending, such as planning for luxurious vacations, does not fit within the framework of a recovery plan, where the focus should be on securing financial stability and achieving fundamental financial goals.