Zen, one of the most important parts of SMART is Point 4 - finding lifestyle ballance. The first three points are just sets of tools, methods, and perspectives to get you to the point where you can begin to bring things into your life that kepp you balanced and centered. I use the tools a lot. Quite a few are useful for general life challenges.and decisions. I frequently find myself using CBA (cost benifit analysis), disputing irrational beliefs, and I depend a lot on mooring lines.SMART has helped me where nothing else I've tried (and I've tried almost everything else) has worked.