Are you ready for next financial crisis?

Got this from my broker newsletter, Halifax NZ this morning and I think it is quite helpful (despite you may not be Millennial),

Like I mentioned in my Facebook page, I think a lot of people (including me) find #3 is a challenge for them because we are living in an instant gratifying era where we forget that the key to success includes delayed gratification and patience is virtue.

Nevertheless,

You are not alone.