You are absolutely missing out on money if you are not setting goals.
For most people, believe it or not, setting goals are hard to do. For the many people that can, they go about it the wrong way. Setting goals should be strategic not just a guessing game. In addition, your goals should serve a purpose, when you don't know this, hitting your goals will be almost impossible to reach.
Without setting goals you are literally shooting in the wind with no direction. Not only should you set goals but have a method in place to remind you of where you are going, something like a business plan, you just look at it more often.
Rush Consulting Firm offers a Goal Setting Session, perhaps you should book yours.