There was a study of graduates of Harvard Business School. They were asked upon graduation if they had specific goals for there future. 13% had goals, 3% had written goals. Ten years later they found that those who had goals exceeded their goals by double. Those who had written goals earned ten times what they had planned on making. The only distinction between them and the rest of the class was that that set concrete goals and set out to meet them.
In our lives, if we want to change things and achieve things we should have written goals. If we want to lose 20 pounds, it is not enough to say, "I am going to lose 20 pounds" You need to have a daily plan of what you are going to eat and how much you are going to exercise.
From a Shiur on Torah anytime:
http://www.torahanytime.com/scripts/media.php?file=media/Rabbi/Bentzion_Shafier/2011-03-08/Amazing_Purim_Shmuz/Rabbi__Bentzion_Shafier__Amazing_Purim_Shmuz__2011-03-08.wmv
These are his words, not mine.
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