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SayPro A goal which is not specific is less inclined to stand the test of time In evaluating the person’s goals I think they are specific because they can be further segmented into three making it clearer and easier to execute: short-term goals intermediate goals and long-term goals Her first step was to take care of the day-to-day expenses and her car loan which could be paid off within the year (these can be viewed as her short-term goals) this would then free up her budget and allow for focus on the goal of paying off her student loan which would be fully repaid in just under 7 years and could be classified as an intermediate goal With two loans paid off and now behind her she is now better able to tackle her long-term goals which are: purchasing a home saving for her children’s education savings towards her retirement accumulating more assets and buying that boat she wants to sail around the world after she has retired All of this can be achieved through the first investment that she made – her college education With her degree she will be able to apply for and attain higher paying jobs and further assets such as investment in stocks and bonds that she will then be able to sell later to finance those other long-term goals and realize them using the S M A R T tool method
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