I don't think the top 0.1% has a plan, either. From my personal interactions with them, they are mostly just excited they can talk to a chatbot on their phone all day, and then make questionable decisions from that - to use a recent example, deciding to be their own general contractor and make a house remodel cost an extra million and take an extra year to do.
The money and time to pursue any passion or hobby they wish, or simply travel and enjoy the world's leisures. They can run a small company, never worrying about profits to survive because their interest will keep them afloat.
And instead of delegating or relaxing or honing a talent, they still have this need to pretend they are a craftmen and waste everyone's time, instead of playing Factorio or Stardew Valley or X Simulator like the rest of us plebs do to scratch that itch. What a waste.