Want to take a sweet trip to Venice to ride a gondola guided by a singing gondolier in traditional Italian garb in five years? Maybe you want to retire a millionaire long before you hit minimum retirement age? Want to adopt a child in four years, but $20,000 is a lot of money and you don’t know where you are going to come up with it? Have you visualized yourself at the exact moment you are out of debt? What does it feel like? What does it smell like? All of…