The key to making healthy decisions is to respect your future self. Honor him or her. Treat him or her like you would treat a friend or a loved one. A Stanford study showed that those who saw a photo of their future self made smarter financial decisions.

I couldn't help but to think back to my classmates at Thomas Jefferson High School in San Antonio. They had the same talent the same brains the same dreams as the folks we sat with at Stanford and Harvard. I realized the difference wasn't one of intelligence or drive. The difference was opportunity.