William Marston, a prominent psychologist, authored a two-year study in which he asked 3,000 people the following: “What have you to live for?” What Marston found was absolutely shocking. He discovered that 94 percent of those interviewed had no definite purpose. These were men and women who were simply enduring the present while they waited for the future. That story was shared by Dennis Kimbro and Napoleon Hill in the classic “Think and Grow Rich: A Black Choice.” Anyone who needs a refresher in setting goals would be wise to review that masterpiece. I strongly believe that we need to set goals. A goal is a dream with a deadline. It should be measurable, identifiable, attainable, specific, in writing. I always advise not to forget to write your long-term and short-term goals down. Self-help gurus and life coaches all stress the importance of having goals if you want to succeed in life. The first step is identifying what is a worthwhile goal. A goal should reflect your values, of course — what you really want, not what you should want, and certainly not what other people think you should achieve. Career and financial goals are perhaps the most obvious targets….