Nothing is free. When not using money, we use time, energy, and attention - things infinitely more scarce than a dollar.
Every day we are faced with decisions to make. Do we exercise now or wait until a nebulous "later?" Do we save that piece of our income or do we tell ourselves that we'll make it up down the road? Do we make the time to give our full attention to our partner and children or do we tell ourselves that once this fill-in-the-blank is finished we will make it up to them?
When we delay what we know we should do, it is no different than using a credit card and promising ourselves that we'll pay it off quickly. We want to believe that, but the credit card companies make a fortune from interest payments for a reason.
When we neglect our health, we are forced to pay for it later. When we neglect our finances, we must pay later. When we neglect our family, we pay later and so do they. When we neglect our true desires, our reasons for being, we pay the ultimate price.
Money and the objects we spend it on are physical representations of our values. So to, is every other aspect of our life. Good health? We must spend the requisite time and energy on our bodies. Good financials? Spend the money up front - pay yourself first. Good family? Invest early and often.
Everything compounds and every day we have a choice. Will our compounding move us closer to our dreams or bury us alive?