“Hope deferred makes the heart sick, But desire fulfilled is a tree of life” (Proverbs 13:12).

Wise King Solomon’s words are as profound as they are simple. When we put off dreams (by choice or not), we get, well, heartsick. And dreams coming true are the stuff of fairy tales.

Seems simple enough, but, when the principle is applied to saving and spending money, it’s hard to live. You see, one spends his life deferring—it’s how you get an education, raise a family, build a retirement fund.

Then, it comes time to cash in some of those assets, and, hopefully, live the dream.

But for those who have become good at deferring, it’s not so easy. How does one hit the pause button on DEFER? At first, it was hard to put money in the piggy bank. Now, it’s hard to take it out.

Tomorrow, I’ll tell you what’s helping me.