Identify whether each goal$-$writing practice will make the goal more or less effective.Goal$-$Writing PracticeMore EffectiveLess EffectiveDavid wrote goals that are consistent with his personality and attitudes toward money management.Chloe believes that goals, once established, should never be changed.Davids financial goals are not consistent with his wants, needs, and financial resources.Colt recognizes that goals, particularly long$-$term goals, may have to be revised to accommodate changes in desires and life circumstances.