want to save 5000 for an emergency reserve in the next 12 months" is not a SMART goal because it is not Multiple Choice Specific Measurable Action-Oriented Realistic Timely

The answer is **Action-Oriented**.While the goal is Specific (save 5000), Realistic (depending on the person's income, it may be achievable), and Timely (12 months), it lacks the "how." It doesn't specify *what actions* will be taken to achieve the goal. For example, it doesn't say how much will be saved each month, or where the money will be saved. A more action-oriented version might be: "I will save 5000 emergency reserve."