The problem with those long term, dreamy ass goals is they’re often too far removed from your current situation. Sure, it’s cool to visualize success, but if you’re not building a plan to actually increase income, or find ways to earn in Bitcoin or free up fiat, then it is just wishful thinking. No offense, but wishing ain’t a strategy.
Great points, but personally I would want every investor to make plans and set targets with their present situation so that it is realistic at least, this would keep your motivation alive that you set an achievable goal, then in the case of increasing your finances in the future and you finally find out you've more discretionary income present, you don't necessarily need to reset your target at that time, but get more aggressive and try reaching your earlier target faster and of course attain over accumulation status. You can then choose to reset your accumulation target to a higher, yet realistic goal depending on your financial strength at that time and get back into accumulation stage. The goal is being realistic at your goal setting to help keep you motivated and not worn out.