If you don't have a specific goal, then it will be difficult to do regular reviews to ensure that your investments are on track. Instead of viewing the goals as stress, treat it as a checkpoint to ensure that your hard-earned money is working on the right channels for you. For example, there are two assets that we can choose to invest into: 1. Portfolio A: $100k at 10% per annum, higher risk. 2. Portfolio B: $100k at 6% per annum, medium risk. If you only have 3 years to achieve what you want, then you may wish to choose portfolio A. However, if you have 10 years to achieve what you want, portfolio B may also be a viable option. This is because of the risk involved and both portfolios may reach the same results after 10 years. With this in mind, this is one reason why having a specific goal is very important. Furthermore, it helps you to evaluate your investments and whether they are still assets that are worth the capital. Otherwise, your money could be better off in other assets that can help you grow your money. In fact, wanting to be rich is also a goal. But the follow-up question will be, how rich do you want to be? Are you happy to be rich to afford a $500k property? Or will you be happier to bee rich to afford a $2mil property? Either. way, this is also a goal. Here is everything about me and what I do best.