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In your career, goal-setting can be part of the formula for success. But how important is it in other areas of your life as you pursue happiness and well-being, and how can it help as you plan for retirement?

Some companies are cautious about setting precise goals, since a more open-minded approach can increase a company’s ability to respond to market factors. It’s true that one of the difficulties with goal-setting is that circumstances can change in ways beyond your control and make your goals obsolete. However, as long as you take a flexible approach—setting goals, but not in concrete—you’re likely to find them useful as orientation points in ...

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