That really is the question that drives everything when we are talking about Saving, and we don't care what youa re saving for; new home, upgrade your car, education or retirement. Can I hold off and not spend today, so that I will be avble to benefit in my future years? Or must I persist, like Ms. Veruca Salt in Willy Wonka & The Chocoloate Factory
and sing, "Give It To Me (rrright) Now!".