Yes, for settings personal goals it can be helpful.
KRs are just "things you can do to achieve the goal", so my process goes:
- What do I wish was different? - What would happen if that thing changed? - What's stopping it from changing? - How can I get over those obstacles?
The answers to "how can I get over those obstacles?" become the KRs that help achieve the O ("What do I wish was different?").