I’m sure everyone has heard of the famous saying – slow and steady wins the race. This is the morale of the story about the quick hare losing the race against the slow-moving tortoise. Essentially, it means that even an average person can achieve success through persistent and consistent efforts. I still remind myself about this story when I get impatient and start wishing for faster results with my efforts to do better at work, savings, investments and relationships i.e. prioritising instant gratification over delayed gratification.

I also understand how a combination of bad decisions, unfortunate circumstances and bad luck can cause a person with a normal life to spiral down into anxiety and depression i.e. spin out of control. I have seen this happen once to my dad after he got retrenched in China and had to return to Singapore. And I have experienced this once when I was jobless for a …