I Don't Have Time to Deal With the Stuff

We seriously down grade the impact of future consequences in favor of current gratification. We should as human beings discount the future to some degree, righto? The sooner you interrupt that problem in the cascade, the less severe the corrections have to be. If you start saving when you 're 18, you can save a lot less money per month than if you start saving for your retirement at age 65 or 70.