It sounds like you are setting goals based on what you think you should want rather than what you really want? I do not set exercise goals, for example, because I do not enjoy exercising and have various age and medical problems that make it not practical. I was in graduate school 4-5 years ago but realized that I did not work and had no real interest in practicing what I was studying in the "real" world so decided to look elsewhere for what to spend my money on.

What makes you happy? If working at your job and making X dollars a month does not make you happy, it does not make sense to make that a goal? Discovering one's self and what makes one truly happy and pursuing that seems the only really rational thing to do.

I used this book to help me: http://wishcraft.com/