Eric Coon, Financial Planner, helps people overcome the mindset of being financially undisciplined to develop new habits and disciplines to have a life of choices. It would be best to transition from thinking near-time (i.e., now) to long-term (i.e., then). Too many of us need instant gratification that is driven by image. Do I need a new XXXX? Or, can I be satisfied with its functionality? Discipline leads to life choices. Contact Eric Coon at L & E Financial and [email protected].