The near-twin of 16:9, which the catalog treats as an anchor entry.
Quick answer
You will make many plans. One counsel outlasts them, and the verse says whose.
Read both lines
The arithmetic of the sentence carries the meaning: many plans against one counsel, and only the singular is said to stand. The verb behind "stand" is the ordinary word for rising and remaining upright, so the picture is of things still on their feet after the rest have fallen over. Notice what the verse does not say about the many plans. It does not call them foolish, sinful, or unwelcome, and Proverbs elsewhere is enthusiastic about planning. The line is about durability, not permission. A man's heart generates plans the way a field generates growth, and the verse simply reports which one is still there at the end.
What it does not mean
This is not a verse for explaining someone's loss to them. It says God's counsel stands; it does not say that every collapsed plan was God knocking it down, and it assigns no meaning to any particular disappointment. Used as a consolation, it becomes a claim the text never makes and the speaker cannot verify. James says something adjacent and more modest, that we do not know what tomorrow holds and ought to say "if the Lord wills" (4:13–15), which is humility about our knowledge rather than an interpretation of our losses.
Related: Proverbs 16:9 · Proverbs 16:1 · Proverbs 20:24 · James 4:13–15
New King James Version®, Copyright © 1982, Thomas Nelson. All rights reserved. Full copyright information. Scripture provided by API.Bible.
Go Deeper
If this verse has been used to put weight on you that it was never carrying, ask about it directly.