Ever witnessed the dysfunctional scenario of having a good employee work on a bad project?

Or the right employee on the wrong job?

SMART goals avoid this malaise by ensuring the right employees are working on the right job and that good employees are working on good jobs, thereby eliminating waste or keeping it to a minimum.

I have often come across the dysfunction of the right employee working on the wrong job, regarding money meant for retirement.

People quite often force retirement employees (IRA, 401k, Roth, etc.) to work on repair jobs, road trips or retail purchase jobs.

Retirement employees need to work on retirement jobs.

Day-to-day money needs to work on day-to-day jobs.