I know this is much later, but for future readers I thought I'd chime in that goal-factoring is a process of breaking your goals down into subgoals and so on. At each level, you ask yourself "what am I trying to achieve with this?" and then ask yourself if there might be a better/cheaper/more efficient way to do so.

This is very closely related to the idea of purchasing goods separately.

[I attended January 2013 CFAR workshop and volunteered at the March one.]