Planning for your business may lead to changes in your company,


Planning for your business may lead to changes in your company, but they will most likely be positive changes. The end result should be better decision making, wiser use of resources and improved growth and profit margins.
Also remember that change will happen anyway, regardless of whether you develop a business strategy. A plan will help you anticipate change and focus on the best opportunities, rather than reacting and letting change take you by surprise.

Even if you discuss your goals internally, a strategic plan gives your entire team a clearly articulated line of sight to those goals.

As much as you can reasonably afford, and in an amount to at least carry you for 6-9 months with no  income. What you will find is that it always takes you longer to get revenues, and that you will experience more expenses than you anticipated