I’d like to live forever (someone please invent this) and yet I’m often not willing to do the simple things to live longer.

The financial markets may have a 3% long-term discount rate (thirty-year Treasury bond rate), but the discount rate we set for our lives is often quite a bit higher. It is so hard to do the right thing today for an expected payoff tomorrow.

Understanding, admitting, and overcoming this challenge seems to be one of the greatest ways we can make progress — in terms of our health, finances, and relationships.

If I had the answer, I’d share it with you.