Why most of the Goal settings did not work for most of the people?

Most people give up before they achieve their financial goals because they don't cultivate new habits to help achieve their goals. This means that after the initial motivation drops, they will probably fall back to their old habits.

Not motivated or lack of dicipline

Maybe not specific or time sensitive enuf. Just like to-do list.... Good to see but not that achievable. Or give up too easily...

Unrealistic goals