I spent my entire tax refund on a weekend trip to Vegas instead of paying down my credit cards and now I'm lying awake calculating how many extra months of interest I just added to my debt.
More people experience this than they realize.
The gap between knowing what serves your future self and actually choosing it reveals the deeper question of whether you believe that future self deserves care.
“Where Are You with Saving and the psychology of deferred gratification?”
If this sounds familiar, the Library can help you find the bigger picture.