Train for the Bad Days, Not the Good Ones
Any plan works when you are rested, well-fed and enthusiastic. That describes perhaps a third of your year. Build for the other two-thirds and the third takes care of itself.

Most plans are written on a good day. This is understandable — a good day is when you feel like planning — and it is the origin of nearly every abandoned programme, because a plan written by a rested, enthusiastic person encodes assumptions that a tired, flat person cannot meet.
The tired flat person is not an edge case. Over a year they are the majority shareholder. Any structure that only functions for the rested version of you is, in practice, a structure that functions about a third of the time, and a third is not enough to accumulate anything.
Design for your median day and you will be surprised how often the good days show up anyway. Design for your best day and the median will quietly dismantle you.
The two-tier plan
The fix is unglamorous: every commitment gets two versions, defined in advance, and both count.
The full version is what you do when things are normal. The floor version is what you do when they are not — under-slept, travelling, ill-adjacent, or simply flat for no reason you can name. The floor should be small enough that you could do it on the worst realistic day, which for most people is considerably smaller than they first estimate. If your floor requires a good mood, it is not a floor.
The rule that makes it work: the floor is not a partial success. It is a success. This has to be genuinely believed rather than nominally agreed, because the moment the floor feels like failure, you will skip it on principle and take the zero instead — which is how a bad week becomes a lost month.
Why zeroes cost more than they look
Skipping one session costs one session. That is the arithmetic, and the arithmetic is not the problem.
The problem is what a zero does to the story. One missed day is a missed day. Two becomes a pattern. Three becomes evidence, and the evidence gets read as a statement about the kind of person you are, at which point the fourth is not really a decision anymore. Most people do not drift away from a practice gradually. They fall off a small cliff over about ten days, and the cliff starts with an entirely reasonable skipped Tuesday.
The floor version exists to keep that cliff from forming. Twenty minutes when you meant to do sixty preserves something the sixty was never really about: the unbroken sense of being someone who does this.
Building in the slack
A few structural things separate plans that survive a hard month from plans that do not.
Under-schedule. If you can genuinely manage five sessions, plan four. The fifth becomes a bonus rather than a debt, and the psychological difference between finishing a week ahead and finishing a week behind is out of all proportion to the single session involved.
Put the important thing first in the week, not last. Everything drifts rightward — work overruns, people get ill, plans move. Whatever sits on Friday absorbs the whole week's slippage and is the first thing sacrificed.
Have a named plan for the interruptions you can already predict. You know you will travel. You know there will be a stretch of bad sleep, a deadline, a week where someone in the house is ill. These are not surprises; they are scheduled events with unknown dates, and deciding in advance what the practice looks like during them removes the improvisation at exactly the moment improvisation fails.
And expect the restart. Everyone breaks the chain eventually. The only question that matters is whether the gap is four days or five weeks, and that is decided entirely by how much meaning you attach to the break.