Overall, if you find that your financial goals are really hard to achieve, and you are not advancing on your progress to achieve or attain them, every now and then, try to assess yourself, your determination and the potential effectiveness of the financial goals you have set. Starting all over again and shifting into more practical and effective financial goals, even if it means going through the whole process of goal setting once again, would in the end, prove to be very beneficial. The third aspect of a smart goal setting has something to do with dreams. If your plan is complicated, you might get overwhelmed and the goal will be become a dream. Dreaming, per se, is not bad; great inventions and ideas are usually propelled by a dream. But when it comes to smart planning, you will need attainable goals to realize your dream. The process of personal goal setting in itself is powerful enough that if you're going through with the process you might think that your life's meaning or purpose had been found. But it is not. The euphoria is only a result of your self finally realizing that you're on the right track. For some, the process itself is motivating. It is to be based on his interests, likes, ambition, knowledge, skill and talent. Because the teens are basically in the age of confusion, wisdom and practical advice from elders and guardians would really be helpful and insightful. Make sure to point of where to start the goals. The time frame, or the when, of the process should also be suggested. The impact of this group planning to an individual is just astounding. Professional goal setting when done in a group can also offer several schemes to secure resources, which are usually unthinkable for an individual professional. The institution can also help in sourcing out finances needed by the group or individuals, for their goal planning. But it is to be noted that efficient and effective time management would have to entail a greater skill, that is, effective goal setting. Goal setting and time management Goal setting and time management are two different concepts, but they are practically inter-related and inter-twined. Time management would not be effective and achievable without goal setting.