Save Today, Spend Later Or Spend Today, Suffer Later?

There is never enough time and there is never enough money. All of us face these same constraints and challenges. But tis isn't tragic state of affairs; in fact, i would say it's a wonderful characteristic of being alive.
For what would our too brief sojourn upon this spinning 'blue marble' be like withouts tests and trials to toughen our souls and strength our minds?
As I've pointed out, many of life's constraints, challenges, test and trials revolve around how we manage out time and how we handle our money. Einstein's relativity notwithstanding, when it comes to the inflexible dictates of time, we can't conjure up or manufacture more of it to magically transform next Tuesday, for instance, into a 25- or 48- or 100-hour oddity because our work schedules scream out: We need more time!!!
Both sound steward of the seconds and the wild wastrel of the minutes have the same amount of time to use, squander, invest or kill each day - 24 hours. However ...when it comes to our capacity for earning, accumulating and growing money, we can always choose to arrange our affairs to aim to end up richer rather than poorer.
So, unlike the incredible constraints that 24 precious hours impose upon us each day, the amount of money we earn or save in the unit of the time is largely up to us. It can be zero, it can be small, it can be negative ot it can be large.
If you manage money well today, it's possible you'll one day end up with far more ringgit, dollars, pounds, euros and yen to shower upon your loved ones and yourself throughout the remaining span of your life.(and possibly beyond it)
While only a fool would believe the measure of human of a human being's value and the yardstick of his or her success is how much money sits in a bank account, there's no denying it's usually better to have more money than less. In fact, the only time the reverse is true is when unwisely selected heirs receive excessive sums they never earn and therefore never developed the vital skill for wise stewardship. But most of dreamkaya team won't fall into that group.