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Delayed Gratification Set Me on a Good Financial Path for Life

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I’ve lived by the, “Save early, spend later,” motto, influenced greatly by my pragmatic mom, since I first began earning money at a young age. I started with odd jobs like babysitting and refereeing hockey games, moved up to working at fast food restaurants, and, eventually, started my own cleaning and car-washing businesses.

At each step, I learned about delayed gratification: I could either spend my money on video games, sports equipment, and other material things, or I could invest it in my future. Fortunately, I chose the latter. 

In my early teens, I took all of the money I’d earned and put it towards a down payment for a condo. That choice and others taught me about saving and managing my money. They’re key lessons that everyone can use to achieve long-term financial security, and the good news is that it’s never too late to learn them. 

Making My First Investment

When I was fourteen years old, my hometown of Vancouver was in the early innings of a condo boom. My mom had picked up some part-time work with a good friend of hers who was a realtor.  One day, she asked me to go with her to look at a property under development. 

When she and I walked into the less than five-hundred-square foot show suite of the apartment, I knew in my gut that I would buy it. The deal was to put 10 percent down against the $150,000 purchase price upon signing and then pay 5 percent per year until completion, which was scheduled for three years out. 

 The purchase was a no-brainer for me. Although fourteen may sound young to buy real estate, by that time I had saved enough for the down payment, and I liked that it would be a forced savings plan over the next few years. Then, I thought, by the time I reached my late teens or early twenties, I’d have a place to live in or rent out for passive income. 

Buying the condo was my first real investment, and it was also the first step I’d take toward good long-term financial habits. Delaying gratification wasn’t a choice most fourteen year olds would make, but it’s one that, by its definition, paid off later. It’s also something that anyone at any age can practice to get more out of their money. 

“The ability to discipline yourself to delay gratification in the short term in order to enjoy greater rewards in the long term, is the indispensable prerequisite for success.” – Brian Tracy

Learning the Language of Money

Hearing my condo story, you might be wondering whether I made all the right decisions. The answer is “absolutely not.” Do I make all the right decisions today? Of course not. But making financial choices, whether they turn out to be right or wrong, lets you learn. 

Like it or not, money is another language. It takes time to learn the language and then it takes a lifetime to be fluent. When I hear some people say, when asked who manages their money, “I’m not good at it,” or “Someone else deals with that for me,” I speak up. I’m passionate about how pivotal learning the language of money is to one’s financial foundation. This specified literacy undoubtedly contributes overall to your life’s health and stability.

For example, I’ve never had credit card debt in my life; the debt I had—the mortgage for the condo—was on a hard asset. Just looking at the different interest rates convinced me to never take on credit card debt; while a mortgage could be 2 to 3 percent interest, a credit card is often close to 20 percent on the debt. Six or seven years later when I sold the condo, not only had I built equity in the property, it had more than doubled in value. 

Part of becoming fluent in the language of money is learning the difference between good debt (delayed gratification debt that will benefit you in the future) versus bad debt (money down the drain forever). If you can tell the difference, you can avoid many of the common money problems people face. 

Create Your Own Good Fortune

When I bought my condo, I admit I had some good luck with my timing as well as support from my mom. She committed to “matching” my contribution to the down payment and annual payments while I would be solely responsible for the mortgage payments. But I was in the game and willing to write the check into a long-term investment.

At that age, I could have gotten distracted by something shinier like a new car, but I put it all on the line for something I had a feeling would appreciate with time instead. The good news is that you don’t need luck or generous parents to start creating your own fortune. You can begin right now by delaying gratification, avoiding bad debt, and making financial choices that will serve you well in the future. You have all the opportunity in the world to build a life like mine; I just started a little earlier than most.

Brian Paes-Braga is a passionate entrepreneur who learned the value of hard work and humility from his parents. Brian realized that despite his financial success, he was personally bankrupt. This started him on a journey to balance his well-being with financial achievement, and today, Brian is an advocate for a more conscious kind of capitalism. A proven business leader who’s built multiple mission-driven companies, Brian is passionate about sharing his wisdom with younger generations to help them navigate the ups and downs on their journey toward authenticity and a meaningful life.

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Life

9 Harsh Truths Every Young Man Must Face to Succeed in the Modern World

Before chasing success, every young man needs to face these 9 brutal realities shaping masculinity in the modern world.

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Image Credit: Midjourney

Many young men today quietly battle depression, loneliness, and a sense of confusion about who they’re meant to be.

Some blame the lack of deep friendships or romantic relationships. Others feel lost in a digital world that often labels traditional masculinity as “toxic.”

But the truth is this: becoming a man in the modern age takes more than just surviving. It takes resilience, direction, and a willingness to grow even when no one’s watching.

Success doesn’t arrive by accident or luck. It’s built on discipline, sacrifice, and consistency.

Here are 9 harsh truths every young man should know if he wants to thrive, not just survive, in the digital age.

1. Never Use Your Illness as an Excuse

As Dr. Jordan B. Peterson often says, successful people don’t complain; they act.

Your illness, hardship, or struggle shouldn’t define your limits; it should define your motivation. Rest when you must, but always get back up and keep building your dreams. Motivation doesn’t appear magically. It comes after you take action.

Here are five key lessons I’ve learned from Dr. Peterson:

  • Learn to write clearly; clarity of thought makes you dangerous.

  • Read quality literature in your free time.

  • Nurture a strong relationship with your family.

  • Share your ideas publicly; your voice matters.

  • Become a “monster”, powerful, but disciplined enough to control it.

The best leaders and thinkers are grounded. They welcome criticism, adapt quickly, and keep moving forward no matter what.

2. You Can’t Please Everyone And That’s Okay

You don’t need a crowd of people to feel fulfilled. You need a few friends who genuinely accept you for who you are.

If your circle doesn’t bring out your best, it’s okay to walk away. Solitude can be a powerful teacher. It gives you space to understand what you truly want from life. Remember, successful men aren’t people-pleasers; they’re purpose-driven.

3. You Can Control the Process, Not the Outcome

Especially in creative work, writing, business, or content creation, you control effort, not results.

You might publish two articles a day, but you can’t dictate which one will go viral. Focus on mastery, not metrics. Many great writers toiled for years in obscurity before anyone noticed them. Rejection, criticism, and indifference are all part of the path.

The best creators focus on storytelling, not applause.

4. Rejection Is Never Personal

Rejection doesn’t mean you’re unworthy. It simply means your offer, idea, or timing didn’t align.

Every successful person has faced rejection repeatedly. What separates them is persistence and perspective. They see rejection as feedback, not failure. The faster you learn that truth, the faster you’ll grow.

5. Women Value Comfort and Security

Understanding women requires maturity and empathy.

Through books, lectures, and personal growth, I’ve learned that most women desire a man who is grounded, intelligent, confident, emotionally stable, and consistent. Some want humor, others intellect, but nearly all want to feel safe and supported.

Instead of chasing attention, work on self-improvement. Build competence and confidence, and the rest will follow naturally.

6. There’s No Such Thing as Failure, Only Lessons

A powerful lesson from Neuro-Linguistic Programming: failure only exists when you stop trying.

Every mistake brings data. Every setback builds wisdom. The most successful men aren’t fearless. They’ve simply learned to act despite fear.

Be proud of your scars. They’re proof you were brave enough to try.

7. Public Speaking Is an Art Form

Public speaking is one of the most valuable and underrated skills a man can master.

It’s not about perfection; it’s about connection. The best speakers tell stories, inspire confidence, and make people feel seen. They research deeply, speak honestly, and practice relentlessly.

If you can speak well, you can lead, sell, teach, and inspire. Start small, practice at work, in class, or even in front of a mirror, and watch your confidence skyrocket.

8. Teaching Is Leadership in Disguise

Great teachers are not just knowledgeable. They’re brave, compassionate, and disciplined.

Teaching forces you to articulate what you know, and in doing so, you master it at a deeper level. Whether you’re mentoring a peer, leading a team, or sharing insights online, teaching refines your purpose.

Lifelong learners become lifelong leaders.

9. Study Human Nature to Achieve Your Dreams

One of the toughest lessons to accept: most people are self-interested.

That’s not cynicism, it’s human nature. Understanding this helps you navigate relationships, business, and communication more effectively.

Everyone has a darker side, but successful people learn to channel theirs productively into discipline, creativity, and drive.

Psychology isn’t just theory; it’s a toolkit. Learn how people think, act, and decide, and you’ll know how to lead them, influence them, and even understand yourself better.

Final Thoughts

The digital age offers endless opportunities, but only to those who are willing to take responsibility, confront discomfort, and keep improving.

Becoming a man today means embracing the hard truths most avoid.

Because at the end of the day, success isn’t about luck. It’s about who you become when life tests you the most.

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Change Your Mindset

The Four Types of Happiness: Which One Are You Living In?

Most people chase success only to find emptiness, this model reveals why true happiness lies somewhere else.

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In a world driven by rapid technological growth and constant competition, many people unknowingly trade joy for achievement. (more…)

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Change Your Mindset

The Secret Daily Routines Behind History’s Most Brilliant Thinkers

Uncover the daily rituals and hidden habits that powered history’s most brilliant minds to success.

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Why Daily Rituals Matter

Every great achiever has one thing in common: discipline. Behind the novels, inventions, discoveries, and masterpieces are small, consistent habits repeated daily. (more…)

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Finances

From Debt to Financial Independence: A Practical Roadmap Anyone Can Follow

It’s about having control over your money and not letting money control you.

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The 21st century has brought incredible opportunities but also new challenges. Rapid technological change, global uncertainty, and shifting lifestyles have made many people think more deeply about financial freedom. (more…)

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