Beat the sun and start my day early. Start things that require more attention like like this course 
,This would use my peak energy to put the work towards things that matter and use the evening that requires less concentration work.
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stop snoozing in the morning, just get up and go 
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I believe people should not live by shoulda, coulda, or woulda. Instant gratification never ends well. And if a change should be implemented, now is always the time to do it. Talk is cheap. Actions speak for themselves. And time, well, you can never get it back.
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Walking 30 minutes a day would allow me to be heathier. In return, productivity increases as well as sleeping earlier then later. Instant gratification of being lazy converts to delayed gratification of healthy me.
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I could use more bike rides ( health benefits, financial benefits ) to work than using a car to do it ( service cost, gas used ) while its only a 15-20 min difference.
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I would like to go earlier to bed, got a bad habit during this pandemic that I don’t want to sleep at the night and can’t get up in the morning. 
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- I could watch less television and read more books or spend my time learning a new skill.
- I could control that Friday feeling of a weekend blowout in favour of maintaining consistently productive weekday habits.
- I could go to bed earlier and enjoy a better night’s sleep that will ultimately improve my day tomorrow.
- I could save money on takeaways and cook. Thus save money and improve my cooking skills.
I prefer to devote a little time each day to living or doing things as if I were already ‘retired’. This way, I do not grind through the working week feeling deprived of time to spent on my personal pursuits and interests. I find that when I regularly do this, I have less need to spend $$$ on lavish entertainment, food, weekend trips away as a way to compensate for the sacrificing my time exclusively for work. This not only saves money, but allows me to gain satisfaction and enjoyment of leisure NOW, when I am relatvely young and energetic, vs. waiting until the day I retire.
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Choosing a healthy meal as a long term investment in my health as opposed to something that will give me short lasting satisfaction but not good for me in the long run. I should also invest my time in education which will reward me in future as opposed to wasting time in social media.
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A glaringly obvious proposal for me is to cut down on my take out food ordering. Will cut it down to once a month.
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The article hit it right on the nose for me. I definitely reward my work-outs with a treat. Perhaps instead I should switch the reward to being “earned” when I reach a certain weight goal, so I am rewarding the result instead of the act.
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Spend less money and time on luxurious meal, shopping and entertaining. Allocate extra time and money for studying in both arts and science to appreciate life and keep up with the world.
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Wake up early for exercise and not sleep-in.
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Get rid of the snooze button, pop out of bed and chase those gains.
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Keep a side hustle going so I can save up to build my own desktop computer.
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Something we’ve been trying to implement in my home is reducing the amount of money spent on dining out by sticking too a weekly meal plan and cooking more meals at home. Then, at the beginning of each month, taking the extra money saved from the month before and using that extra capitol to invest into BTC. This plan is not only better for my families physical health in the present, but also for our future financial health as well.
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Propose a change you could make to one of your habits, that would reduce your time preference from high (instant gratification) to low (delayed gratification) time preference. It could relate to any aspect of your life (financial, diet, exercise, relationships or education).
A change I could make to my financial habits is to stop thinking so much about needing what others have and trying to be the first to buy new tech.
I love tech and assisting my friends, but I feel that I try too hard to impress and buy things I don't require.
If I gave myself a few more minutes to really think about the things I am buying, I would save so much money and be a minimalist consumer. Indeed I would have a lot more 'spare money' to put towards investing for my future; bitcoin, ether, altcoins for example.
My takeaway lesson is to buy what I really need, rather than buying for momentary gratification.
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Propose a change you could make to one of your habits, that would reduce your time preference from high (instant gratification) to low (delayed gratification) time preference. It could relate to any aspect of your life (financial, diet, exercise, relationships or education).
- Reducing spending when income increases.
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I have done this for some time actually. But thinking through purchasing of gadgets. It is fairly simple, if you have money you want to spend it. You think it will make you happy but it don’t so I tuck it away in some saving and think about it and do some research and guaranteed after couple of weeks I don’t want to pay for the thing I had my eyes on.
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I’m a lazy ass and unsporty person, although instead of sitting for an hour in the morning with my beloved coffe I’m trying to spent half of it exercising. No big deal just few simple moves, but in months I feel a huge difference in my body. Little moves every day which take out half of my morning time results a much better feeling in longer period of time.
#healthinvestment 
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