Good piece, Brad. I think “delayed gratification” is going to be hard for most people because everything we read, hear and watch encourages instant gratification. Governments would say this is how economies grow and prosper. Interestingly, our economy looks healthy, yet our debt levels are tremendously high. I’m not even sure we can delay gratification anymore. Imagine saying to a young couple just buying their first house: “How about you wait a year before you put in twenty feet of granite countertop” It just won’t happen—not with credit cards, anyway.