I was driving to a meeting the other day and heard a story on sports radio that intrigued me on any number of levels.

It seems an amateur woman runner was participating in a "mini-marathon" and she evidentially did quite well as it luck would have it.

It seems that this race must have been a combined "full" marathon and half marathon both run at the same time because apparently at a particular place along course, there was a turn at which the "full" marathon runners were suppose to head in one direction and the "half" marathoners we're suppose to go in another.

As it turns out, she missed the turn for her "mini" group and continued on with the full marathoners, unaware of the "error."

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By the end of the (full) race she had qualified for the Boston Marathon by being the first woman to finish. All with no apparent realization that she had completed the full marathon instead of its shorter brethren.  After the finish, her first concern was for her friends, because she drove them to the race and had the car keys!!

So, it just goes to show you that even though you may not have a clear idea of where you're at, you can still manage to accomplish great things as long as you're working towards a well defined goal.

We know that knowing both where you are AND working toward a really well defined goal has the greatest chance of success. Just as assuredly, NOT having an understanding  of where you are AND not having a really well defined goal will almost surely lead to a less than desired outcome. It seems that knowing one or the other  location or goal; trumps knowing neither.

It appears that in the realm of personal finance, most people are perfectly content knowing neither location or goal and yet still are figuring that the outcome will be ok?  How?  One of Buddha's most famous quotes remains, "the problem is you think you have time."

Seems like common sense that if you can't tell where you're "currently situated" how do you effectively tell what your next step would be?