When we are in the formative years, before age 18, our focus is usually driven by getting an education, forming relationships, and beginning to separate ourselves from a family unit, with parents and siblings, to learn how to create our own adult life. For many, this also means the beginning of adult responsibilities, getting a job, perhaps going into a permanent relationship with someone, starting a family, and discovering changes in our outlook on life as we begin to mature. We have dreams and plans; some of which work and some which do not, and our opinions of what these should be change over time. For those who have little or no experience with setting written goals, this can seem to be a formidable task. Yet, the rewards of taking the risk to decide what you want and how you would like it to look can be amazing. Using the.