When setting your goals, it is important to consider the stage of life you are in.

When you're young, your goals are different from when one is of legal age. Both the young and the old must prepare for the future, but the needs of short term will be different. Also, at prepare for the future, the steps one should take are different.

To illustrate this, we can take as an example the types of goals one can have person according to their stage in financial life.

He savings of people who start their working life is usually focused on goals like studies, or acquire certain goods.

Later, it is usual that they focus on associated goals with family, home and others. Also a goal, for example, having a pension, varies as to its priority and steps necessary to achieve it depending on the stage of the person's financial life. 

For example, a young man is many years old during which he can save money for the elderly, but an older  person he is no longer so old during the which ones to save so while the young you can save smaller amounts every years, the one who is of legal age must save larger amounts if you do not have a fund enough reserves for his retirement.