Instant!We have streamlined our daily lives into efficient and time-saving mode. Fast-food, instant coffee, frozen meals, expressways, cars with turbo engine, academic fast-track, instant messaging, etc. And most notable of all--instant gratification. Thinking only of the ephemeral pleasure and not the overall picture. Sure, we feel good for a split second. But most of times, we are left unsatiated--hungry for more. This can be applied to financial decisions--short term gratification overshadows the long-term goals. It's better to make a decision that you'll not regret later, such as when people cheat. Everyday we are tempted by something. Thinking rationally through the situation will probably save the most time.