After extensive research into success, Dr. Edward Banfield of Harvard University concluded that long-time perspective, “was the most important determinant of financial and personal success in life.” He defined “long-time” as the “ability to think several years into the future while making decisions in the present.” Unfortunately, these days, focusing on our long-term goals isn’t an easy feat. Many external forces lead us to become caught up in short-term thinking and encourage us to fall for immediate gratification.