23. The system of claim 22 , wherein making suggestions further comprises: guiding the user through a defined process that includes the creation of goals, tasks, and milestones.
23. The system of claim 22 , wherein making suggestions further comprises: guiding the user through a defined process that includes the creation of goals, tasks, and milestones. 24. The system of claim 23 , wherein the guiding the user comprises: periodically outputting reminders of goals, tasks, and milestones over a communications network to the user's personal digital assistant to reinforce the steps to be taken by the user to improve the user's life skill competencies for a particular life stage transition.