To develop financial goals, one should:

Select one:

a$.$ Set several general goals for the short$-$term.

b$.$ Only set long$-$term goals after short$-$term goals have been accomplished.

c$.$ Identify specific, realistic goals that are measurable along with a time frame and an action $p$

d$.$ Not worry about whether or not the goals can be achieved based on one's income and life s

e$.$ Focus on intermediate goals first.