Financial goals cannot be set at will. If they do not meet one's needs or are simply far beyond one's ability or ability to achieve, they are not very meaningful. As for how to set reasonable financial goals, we can refer to the "SMART" principle:
S: Specific (specific)
For example, a savings goal should be set to pay for interest classes or to travel abroad, rather than simply to "save".
M: Measurable
You need to know when you will reach your goal or how far you are from it. For example, if the tuition for a year of interest classes is $6,000, you only have $3,200 in savings or you still owe $2,800.
A: Attainable
For example, a week-long trip to Japan costs about $6,000, but the savings time is only one month, but the monthly income is only $6,000, and the necessary monthly expenses are $2,000, which means that the goal cannot be achieved at all, that is an unreasonable and unfeasible goal.
R: Relevant (appropriateness)
For example, a trip to Japan requiring a six-star hotel is a goal that far exceeds the reasonable needs of the average person.
T: Time-related (Time-specific)
Set realistic target dates, such as planning a trip to Japan next summer and setting aside a year to save for travel expenses.
