The document discusses the importance of personal goal setting and time management. It states that successful people know what they want and create plans to achieve their goals through a step-by-step process. In contrast, the author struggles with managing time for schoolwork and personal finances by procrastinating and not planning adequately. To be more successful, the author needs to implement a specific strategy for goal-setting and time management, including setting goals for good grades and planning a study schedule well in advance of exams.