“We all have a sense of what’s right and wrong, long-term. We all know on some level not to have the extra slice of pizza. Many of you have probably set up retirement accounts. Many of you probably haven’t contributed enough. Even when we know we’re doing the right thing for the future, there’s no immediate reward for that, and we naturally want what’s rewarding now. It’s why we splurge on unnecessary things and then justify it by saying it’s been a hard week, or we’ll save money later, or what’s one little extra expense? We suck and we can’t not suck. Even when we know what’s absolutely right, it can be unappealing if we don’t get a short-term benefit. Save money for retirement and you actually lose money, effectively, today.”
DISTURBING UPDATE HERE.