Setting up goals with financial consequences can be a powerful motivator for achieving them. Alvo's approach of using deposits and forfeits to hold yourself accountable is an interesting concept. It adds a layer of commitment and urgency to reaching your objectives. The idea of directing forfeited funds to a charity or a loved one adds an altruistic or personal touch to the process. It's a creative way to stay on track and make progress towards your goals. Would you be willing to take the risk and try out this service?