I cannot believe this is true:

14. In 1973, when the same class was resurveyed, the differences between the goal setters and everyone else were stunning. The 13 percent who had goals that were not in writing were earning, on average, twice as much as the 84 percent of students who had no goals at all. But most surprising of all, the 3 percent who had written their goals down were earning, on average, ten times as much as the other 97 percent of graduates combined!

It might make a difference, but not 10x in 20 years.