Thinking long term is the best. Unless you plan to invest and get a return, cashing out is risky. Freedom is the real main goal people shoulf focus on. Immediate gratification in form of taking all the money out fast is a mistake
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Lol, I like to think I am disciplined and that I am planning for my future and then I look back on the year and think, you know what there's a lot of stupid things I bought and like times I wasted money like when I have good in the house, and I'm like let's order sushi instead lol.
So I'm aware I still fall for those instant trappings; no man can resist it all of the time. But I see it as progress not perfection and I will treat myself sometimes, but there's defiantly times I waste money
Oh well we all need to spoil ourselves a little bit once in a while. Being too harsh on ourselves and thinking about scarcity does not call in the abundance. So yeah, get a little sushi insteand once in a while. It's good yum yum