Anyone who goes to the gym knows the pain of searching for a spot in the parking lot at the beginning of January. Yoga classes that are empty the week before Christmas are crammed to capacity as soon as New Year’s Day dawns, and machines that gather dust all summer feature lines three people deep. Then, around the middle of February, the new faces begin to fade. Classes that were temporarily packed regain their elbow-room, and the more esoteric machines in the circuit fade back into obscurity.
Often the reason that body shapers, and retirement savers, fail in their efforts is that they set the wrong goals.