Future success relies on today's disciplined choices and actions. Preparing now enables us to confidently acknowledge our past decisions, avoiding resentment towards our younger selves. By making deliberate commitments, such as eating healthy, pursuing passions, or cultivating habits like journaling, we create a positive kind of debt that rewards us later. This concept emphasizes that the efforts and discipline we apply today shape our future destiny, with immediate actions serving as the foundation for the successes we strive for.