Your financial goals and aspirations can be differentiated according to several criteria, including their target completion dates, potential effectiveness, importance, and estimated cost, among others. Identify whether each goal-writing practice will make the goal more or less effective. Less Effective More Goal-Writing Practice Effective Mia wrote her short- and intermediate-term goals first, then her long-term goals. Mae's desired financial outcomes are not expressed in monetary terms and are not prioritized. Colt recognizes that goals, particularly long-term goals, may have to be revised to accommodate changes in desires and life circumstances. David wrote goals that are consistent with his personality and attitudes toward money management