[leetcrew]

> To say this another way, most people do not understand the long-term value of a $1 saved today. Obviously, exactly how you calculate this is a little complicated but if people realised that $1 now was worth $4 or $6 or $8 in 30 years then they would consider what they do today more carefully (and even then, some people are just weird...they will say: I am going to die before then, or I don't care...then they will get to retirement and everything is fucked).

I think for most people the idea that $1 will grow a lot in thirty years just isn't very motivating. I hear that as saying I could either have chipotle today or a fancy dinner in thirty years. okay, but thirty years is a long time and chipotle is still pretty tasty.

personally, I find it much more motivating to frame it explicitly in terms of passive income. every time I spend $20, I am forfeiting $1/year in perpetuity. every time I don't spend $20, I've added $1 to my yearly budget in retirement. instead of delaying material gratification, I am eliminating my need to work.