We start with a bit of reflection. What a year it has been! There have certainly been ups and downs, both personally and professionally, but as a team, friends on FIRE has had it’s best, and only, year ever!We aired 75+ episodes.We reached 35K downloads.We were a finalist for a Plutus award.We made a ton of great friends in our interviews.We had fun together.We had a positive impact on people’s lives.For our main topic to close out the year, we revisit the importance of goal setting:The importance of setting goalsRun your life like a company.What gets measured gets improved.Only when you track and measure results can you adjust and improve.Managing goals in a changing environment like CovidThings outside your control change all the time. You need to figure out if your goals need to change or you just need to persevere.Goals help get you through challenging times. They keep you focused and motivated.SMART goals: Specific, Measurable, Assignable, Realistic, Time-relatedTalk about and align goals with your spouse or partnerNeed them on boardGetting them on board when they different with money is another episodeBut if they are not on board, don’t use your spouse as an excuse.  You control what you do.  Start with yourself and set the example.  Common goals with friendsAccountabilityFunTrack them!We encourage everyone also to take some time to step back and consider more qualitative progress in 2020.  Take some time to reflect on this past year, note some highs and lows, and capture the standout moments.  Some ideas for capturing those moments are:Go back and look at your calendar to trigger memories and moments.Look at your photo reel on your phone, google photos, or wherever you archive your photos.   Take a scroll through your notes or journals if you keep one.  We each share our standout moments in 2020.  We wrap up this episode by sharing our 2021 goals.  Top 3 takeaways:Goal setting is the most important first step to making changes in your life.Make your goals SMART.Take a few minutes to reflect on 2020, especially the qualitative highs and lows. ---Show Referencesfriends on FIRE etsy store---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.orgfriends on FIRE etsy store