Hi @gbenga

I believe that to a large extent some habits, if not most, are based on immediacy. We do not often think logically about the future, because we have to live the present... and in a certain way they are right, we have to live today but we must not forget that tomorrow, the future is in front of us. And no doubt we must prepare ourselves, organize our expenses in such a way that we always contemplate that we can be better off in the future and not precisely because of a stroke of luck but because in this way we prepare the destiny of ourselves.