One of the key discipline that is needed to build wealth over time is delay gratification. I find that this is one commodity that is lacking, judging what some of my wealth building friends told me.

The millennials are a bunch that exemplify YOLO (you only live once) mentality.

Well I happen to be the oldest millennial around, so it proves that ones perception of a prevailing trend can be rather flawed. I can also cite some Gen Xer who couldn’t delay gratify.

If you want to build wealth, you got to start doing the stuff that matter the most to building wealth, paying yourself first and taking actions in life.

When we are talking about putting money away, people give up initially when they are trying to make ends meet. They have spent so much that they don’t have much to squeeze out to save.

I was …