Interesting article that unfortunately completely ignored major factors in decision-making involving delayed gratification.. For example, "do you want $5 now or $10 [in 2 months? If I am old, or in poor healthmi want the $5 now, thankyuvurry much. I am sure any investment advisor could offer limitless examples of needs/desires changing radically just from aging. So I could not buy into a he theory given, that people who can delay gratification as youngsters are more likely to be successful, given that All exterior factors would have to be unchanged to make a proper comparison.