One of the weird concepts presented by this site is that you don't have to have a goal in your personal finance. It would be like an anti good finance practice, as guilty as Rich Dad asking us NOT to save in his Conspiracy publication.
Lets get straight to the point then. If I really don't know what I want in life or always fail to stick to the same goal, does that help if I keep on searching my goals and therefore should do nothing about my personal finance until I find the right goal ?
I think the hint should be clear. There is really nothing wrong or as a matter of fact, much better if you also start saving and save automatically while you are looking for your goal.
You may not understand exactly what Warren Buffet is doing but if you were to just follow exactly what he has been doing, what do you think you will end up with? Well, Berkshire Hathaway investors can tell you that they are very happy with exactly that situation ( at least historically ).
If you have found your goal, congratulation and good for you! Unfortunately due to the way our education system is set up, most of us might just spent our whole lives looking for what truly meant to us. At the same time our lives go on as usual and as real as it could hit us hard. So even if you haven't found your goal, go ahead and ;
and if you have dependents, you care about someones or your own future, then buy some insurances too.
MalPF doesn't say you don't need a goal. It says having one goal is better than not having any. And don't procrastinate while you haven't found your goal yet, start some actions. And if you don't know what actions to take before having your own goal, stick to what MalPF gives you, the wealth pyramid.
But there is always a line to draw, differentiate those with goals and those without. If you do not subscribe to Dollar Cost Averaging, stay within Bond Fund and Fix Deposit. If you do not follow some of the stock market investment principals, do not invest in stocks if you don't have a clear goal yet.
So you don't have to have a goal to start something, but eventually you will need a good goal to end great.