If you want to achieve financial freedom, you need to set it as a goal first. But having a goal is not enough, it has to be a SMART goal.

Having new year resolution is always intimating.

  • You want to lose weight so you can fit your old pants in the wardrobe
  • You want to make more money so one day you can sack your crazy boss
  • You want to start saving because you know you are nearer to your retirement

But if you think about it, aren’t these goals the same goals as last year? Have you been setting the same goals every year but achieve few of them?

I used to think that this is just inertia of human. But after years of setting retirement goals with my clients, I realise that it is because most people have just never been taught how to write effective goals.

With this …