היא אוהבת לתכנן הכול לפני כן, אבל אני מחליטה רק אחר כך.

Because both subjects are feminine:

• היא = she, so the verb/adjective-like form after it is feminine singular: אוהבת
• אני מחליטה shows that the speaker is female

In the present tense, Hebrew verbs often look like adjective forms and change for gender and number.

For comparison:

• masculine: הוא אוהב, אני מחליט
• feminine: היא אוהבת, אני מחליטה

So this sentence is spoken by a female speaker about another female person.

Hebrew often uses אוהב / אוהבת literally loves in places where English might say likes.

So:

• היא אוהבת לתכנן = literally she loves to plan
• but in normal English translation, this is often simply she likes planning or she likes to plan

This is very natural Hebrew.

The ל־ marks the infinitive, like English to in to plan.

• לתכנן = to plan

After verbs like אוהב/אוהבת, Hebrew commonly uses an infinitive:

• אוהבת לתכנן = likes to plan
• רוצה ללכת = wants to go
• צריכה ללמוד = needs to study

So לתכנן is exactly what you would expect after אוהבת.

הכול means everything.

• הכול = everything / the whole thing / all of it

By itself, כל usually means every or all, but it normally needs another word after it:

• כל יום = every day
• כל האנשים = all the people

So in this sentence:

• לתכנן הכול = to plan everything

You generally cannot use plain כל alone here instead of הכול.

לפני כן means before that or beforehand.

In this sentence, it means she likes to plan everything in advance.

Breakdown:

• לפני = before
• כן = that / so / yes in other contexts, but here it is part of the fixed phrase לפני כן

So לתכנן הכול לפני כן means to plan everything beforehand.

Yes. אחר כך is a very common fixed expression meaning after that, afterwards, or later.

• אחר = after
• כך = thus / so / like that

But learners should mostly treat אחר כך as one time expression:

• אני מחליטה רק אחר כך = I decide only afterwards

It is one of the most common ways to say later in Hebrew.

רק means only.

So:

• אני מחליטה אחר כך = I decide afterwards
• אני מחליטה רק אחר כך = I decide only afterwards

The רק adds the idea that the decision is made not before, but only later.

Its placement is flexible in Hebrew, but here it naturally modifies the time phrase אחר כך.

Hebrew often includes the subject pronoun for emphasis or contrast, even though the verb form already gives information about the subject.

Here:

• אבל אני מחליטה = but I decide
• the אני is useful because it contrasts with היא

So the structure highlights the difference:

• She likes to plan everything beforehand,
• but I decide only afterwards.

This is very natural Hebrew.

Yes. אבל is the standard everyday word for but.

Examples:

• אני רוצה לבוא, אבל אני עייפה = I want to come, but I am tired
• היא אוהבת לתכנן, אבל אני לא = She likes planning, but I do not

It is extremely common in both speech and writing.

Not exactly. A male speaker would normally change מחליטה to מחליט:

• היא אוהבת לתכנן הכול לפני כן, אבל אני מחליט רק אחר כך.

That is because אני in the present tense takes masculine or feminine forms depending on the speaker.

Everything else in the sentence can stay the same.

Sometimes yes, but the nuance is a little different.

• לפני כן = before that / beforehand
• לפני זה = before that
• אחר כך = afterwards / later
• אחרי זה = after that

In many everyday contexts, these can be close in meaning. But in your sentence:

• לפני כן sounds very natural for beforehand / in advance
• אחר כך sounds very natural for later / afterwards

So the original sentence is idiomatic and smooth.

Yes. The verbs אוהבת and מחליטה are present tense forms.

Hebrew present tense can also sometimes express general habits, not just what is happening right now. That is what is happening here:

• היא אוהבת לתכנן... = a general tendency/habit
• אני מחליטה... = a general tendency/habit

So the sentence means something like a regular personal style or preference, not necessarily one single event happening right now.

The Hebrew word order is quite close to English here:

• היא אוהבת לתכנן הכול לפני כן
  = She likes to plan everything beforehand
• אבל אני מחליטה רק אחר כך
  = but I decide only afterwards

A few notes:

• Hebrew often places adverbial time expressions like לפני כן and אחר כך after the main action
• רק comes before the phrase it emphasizes
• the subject pronouns היא and אני are explicit for clarity and contrast

So although Hebrew word order can be flexible, this sentence is quite straightforward for an English speaker.