A goal prevents paralysis. Let’s say you have $20,000 in your bank right now. Now I’ll ask you to dream about your life 10 years down the road. What if you had that same $20,000 two decades from now and that’s it? Wouldn’t that feel like a failure? Forget about the details of inflation and how $20,000 will “not be” $20,000 in the future, just think about how demoralizing it…