This needs to be more than just “I want to ace all of my courses.” Be specific, and be realistic. Consider how much time and commitment each goal will require. How far do you want to plan in advance?

Forbes contributors publish independent expert analyses and insights. David Rae is a gay Financial Planner, president DRM Wealth Management.

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You’re seized by fear whenever you think of your endless to-do list. With deadliness piling up and exam dates creeping close, you can barely pick yourself up to tick an item off the list, and ...