I just had a random thought pop into my head.
Its easier to stay in shape if you don't eat too many calories.
Eating fewer calories compounds over time: you lose fat, become healthier and more attractive (assuming you eat somewhat healthy)
Common sense, right?
But, a lot of people irrationally over-eat and try to "make up" for it with more cardio or gym sessions.
If you just make the correct, conscious decision, life is a lot easier. Invest your effort up front in saying no to that pizza.
That momentary discipline keeps you healthy.
That is easier to do than having to lose 15 pounds in 2 months.
This example can be applied to money.
It requires you to make the conscious decision to go with the cheaper option (pack your own lunch) and save your money rather than spending it.
Over time continually choosing the cheaper option or not spending and investing it, compounds your financial health.
It is easier to save $1000 in one month, than it is to make an extra $1,000.
It comes down to the question:
What do you really need?
A buddy of mine has a Dad that wears the same 100 pairs of cotton shorts he got from Walmart.
Not fancy but he saves time and money getting clothes. All that money can be re-invested in his business.
Delay gratification and thank me later!
Money is time.