Delayed gratification is one of the fundamental principles of success in the universe. My wife had the "envelope method" modeled for her by an aunt and uncle as she was growing up, but (sadly) did not learn the underlying principle. We are still struggling to recover!

I'm glad you are here on Steemit, and I sincerely hope that your ideas may reach, influence, and benefit a large and growing audience. Welcome, once again! 😄😇😄