A written goal ?

In a Harvard class (not a bad school - everyone on relatively equal footing at a university of that level, so a good
test case) - the numbers are rounded - 83% of people said that they had no defined goals. 13% said they have
goals, but didn't write them down. Remaining 3-4% had goals and wrote them down.

Here's the kicker - the 83% were the baseline - average. The 13% who had goals but didn't write them down made
twice as much money than the 83%. And the 3-4%, they made twice as much money as the 13%.