Actually, I think you need two things: a goal AND a plan.
Saying "I want to buy a new car" is a goal.
Saying "I want to buy a new car in 3 years and I'm going to put $333/month into my high-yield savings account until I have $12,000" is a goal AND a plan.
Goals are great, but without plans they are a lot less likely to become reality.
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Steve
* Despite the high cost of living, it remains very popular.
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
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