If you are exhausted (as I am) watching the markets go up and down on a tweet, perhaps you should step back from the day to day kerfuffle which is the stock market and take a fresh look at your goals.
Goal-based investing is nothing more than establishing separate objectives for separate life events. This is much saner for the average investor than simply trying to beat an arbitrary index. Retirement 40 years in the future calls for one plan, while college education for your kindergarten child or grandchild requires an entirely different plan. These discreet pools of money with diverse goals may sound confusing but the concept doesn’t have to be.