It is common for organizations to use a fiscal year that is offset by the calendar year. It is probably a good idea for individuals to do the same.

Bureaucracies like to use the calendar year to group things. For example, the tax commission likes working by year because it allows them to sort transactions by calendar date.

Bureaucrats in the Northern Hemisphere set the calendar to switch over in the middle of the Winter as Winter is a slow time for agricultural concerns. This is probaly a huge hassle for concerns in the Southern Hemisphere which must use the same calendar for international trade.

Anyway.I think your premise that people shouldn't set their goals according to the calendar year. Since txx collectors work on a calendar year, one should focus on tax strategies in December and use a different date for assessing personal goals.

People who use the same date for their taxes and goals are likely to make their goals subservient to tax policy

!PIZZA