This is a philosophical topic. The practices and steps are practical, but you don’t get to practicality before you uncover philosophy when discussing financial goal setting. Your core values and your ability to accumulate financial wealth have a direct positive correlation. What you believe and how you conduct yourself influences how you spend your money. Money is time manifested in paper and coin.
The value you place on your time is demonstrated in how you deploy your capital. When you get consistent in what you believe and how you conduct yourself, that is when your money begins to multiply. Your time will begin to accumulate. The first step in financial goal setting and financial wealth is getting in alignment with yourself. Once you get in alignment with yourself then you can get in alignment with your finances, and your finances with you.