I don't do either...
I have general ideas of what I would like for my future, and I keep my eye out for stuff that seems like it has the potential to meet these.
So I don't really plan, but I'm not living a day at a time either. I definitely have goals, they're just not very specific, because then I feel limited.
I feel like the more open I am to unexpected developments, the more my ideals are met. The more specific & literal my goals are, the more I overlook other ways to meet my ideals, and then I end up frustrated & unfulfilled.