The innocent marshmallow!


OK!  So the marshmallow is not one of the basic food groups.  And honestly, I only like marshmallows on sweet potato casserole or roasted over an open fire for a S'more treat.

Are you familiar with the MARSHMALLOW TEST?

The Stanford experiment tests the significance of delayed gratification by measuring self control when faced with temptation. 

Pre-schoolers were given one marshmallow and promised a second marshmallow if they would wait to eat the first marshmallow when the teacher returned. The kids touch the marshmallow, sniff it, stare at it while waiting for the teacher to return.. What a hoot!


This experiment draws attention to the gap between intentions and actions.

Are we willing to delay instant gratification in order to secure something better in the future? 

I talk to people who have lofty retirement goals and intentions but just can't let go of spending habits that are sabotaging their future.  How does one handle this obstacle? 

Be persistent and intentional!

In the same way mindful eating can control weight gain, mindful spending can help you control your money rather than letting your money control you.

“It’s easy to say ‘’no!’’ when there’s a deeper ‘’yes!’’ burning inside.”
— Stephen R. Covey

It starts with a single step, a simple change, a small tweaking of spending habits and a clear (crystal clear) vision of what you want your financial future to look like.

Exercising self control with your spending and savings habits is easier than you think but it is not child's play.

If we lack self control in one area we are wise to recognize temptations and limit exposure to those temptations.  That's why we are told not to shop for groceries on an empty stomach. (Otherwise, marshmallow bags and Rice Krispie treats may end up in the shopping cart.)

Financial peace of mind results from taking one solid step at a time.  Focus on a secure future.  Organize and customize your plan. Know the direction you want to take in 5 years, 10 years, 20 years.  Review your plan often and stay on course.

And when tempted to get off course . . . when you hear yourself saying, "I need _____!"  hit the pause button and think of the simple marshmallow.