The famous marshmallow test has been a classic experiment to refer to when it comes to educating someone about delaying gratification even though the recent replication revealed more details which most people don't follow up with, just like many other behaviourial experiments.

Being someone who has been spoilt with instant gratification since young (my parents used to buy toys for me every Sunday before I entered primary school :)), there's no way I will pass the marshmallow test as a kid.

But is instant gratification really a bad thing? I beg to differ.

One of the goals that motivate me to start saving aggressively and be more financially responsible is to own a property and achieve financial independence.

When I was still studying in poly, I wanted to buy a house and realised that not only do I need to save up for downpayment, I definitely can't afford the mortgage without a proper job.