Financial distress often arises from the desire for quick results rather than poor choices. Positive financial actions, like stock market investments, require patience for success. Many overestimate the speed at which they can achieve returns, mistakenly believing that timeframes of six months to a year are sufficient. In reality, achieving worthwhile results typically demands a commitment of five, ten, or even twenty years. This underestimation of time can lead to premature conclusions about decision quality. Success in finance can hinge on three factors: being smarter, being luckier, or being more patient. Patience is the most attainable edge for most individuals, making it crucial for long-term financial success.