The people have a "target" of any future clearly defined course. It makes them eager To save more The goal of each person may be different. Depending on the needs and wants of him. It also depends on the The hopes and ambitions of his life, for example, some people want to have a house and land of dreams. I would highly educated I want to have a comfortable life during retirement. Or hope to the children are well established. Therefore, the goal of saving this difference. It is defined as the amount of savings. And time savings vary.