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A financial goal is essential for business owners to achieve their desired income. This tutorial explains how to calculate how many clients are needed to reach a goal, using the example of $100k per year. The spreadsheet provided helps in determining the number of clients required, which is around 15 to 20 depending on their size and charges. The steps involve inputting the income goal and dividing it by 12 to calculate monthly targets. The video also offers the spreadsheet for download to aid in the financial planning process.