I think Australians do well here because we feel a bit naughty, like we're in America and if they only knew how much fun we were having, we'd all get thrown out, you know.
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.

