Go on autopilot to get wealthier

Take emotion out of your day-to-day spending

- WARREN SHUTE

How to get ahead financially...

I am often asked, 'Why is it so difficult to get ahead financially?' After 30 years as a financial planner and thousands of hours working with clients, I believe it comes down to psychology.

Instant gratification is ingrained in our way of life. Society has trained us to expect things now.

From next-day delivery to streaming the latest film, there's no more waiting around for the things we want. Don't have the funds right now? No problem, use a credit card or one of the many 'buy now pay later' companies.

The best financial advice often asks us to forego what we want right now, for a future promise.