The most common and most likely answer to this crossword clue is the 4 plus 2 plus 3 plus 6 letter word SPUR OF THE MOMENT
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More clues leading to the result SPUR OF THE MOMENT
Buddy explains!

The straight part
We know that "Without planning" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case without planning = spur of the moment.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does SPUR OF THE MOMENT mean?
SPUR OF THE MOMENT adjective- Spontaneous; impromptu.