I see your point about goals and don't really disagree, but I do see quite a few people set unrealistic goals and wind up entirely unhappy. For this article if I can convince a few people to just build a plan and work it I'll have done some good! A lot of it does go back to time management and goal strategies there is no doubt. The hard part for many is that they want to see an immediate payoff and it usually doesnt happen that way.