Everyone can but not everyone will. Jim Rohn said that and he was spot on. Property investing is hard work! It needs focus, it needs sacrifices. I'm referring to delayed gratification. Though in the society, delayed gratification could be preceived as you are really "missing out" by not spending on multiple credit cards and overseas trips. I recall a colleague of mine who was probably earning 50% more than I was a few years ago, was shocked to hear I was targeting savings 30% of my income as they said they were left with nothing at the end of the month. They had 3 of the 4 family members working. My idea of focus is working towards my goals and hence delaying gratification due to the sacrifices in the current moment. Sure there is an argument, you never know about life and what will happen the next moment. Yet, I do feel that the earlier one looks at the finances and gets edcuated about finances, the better it is. It's prudent! And would likely allow for more action and less blame on the house prices / investors / salaries etc. I tried to convince an old work "friend" several times. Initially it was in 2012 and then in 2015 (for Brisbane), given they had missed the Sydney market big time. I offered them to help with their numbers and even offered to share my spreadsheets to help them. But no action was forthcoming....so I stopped saying it all together. I learnt, I love inspiring people and I need to find people who are willing to learn and make financial changes in their life for the better! As mentioned, everyone can, but not everyone will. So why not you? why not now? I've relaxed a bit about spending, but that's taken quite some time. What have you delayed gratification with? Or do you have an alternate strategy? How do you find the balance for yourself?