Self Discipline Pt. 1

So I'm sitting in the sauna listening to a conversation between this younger guy and his girlfriend. The gist is here, edited for brevity.

G: So while I'm overseas you're saying I should have the $300 electronically deposited into my account each month?

G/F: Yeah, just start an allotment.

G: I'm not sure if I want it put into my Charles Schwab account.

G/F: How come?

G: Well then I can get to it. They let you draw three checks a month. I mean, I'm not going to be doing much. I might go out drinking with the guys once in a while, but it's not like that's going to be a regular thing.

(a whole bunch of other babble about how he can't access his account over the internet for some reason and how when he calls them he doesn't know what they're talking about and suggests they talk to his 'financial advisor', who apparently handles everything)

G/F: How about putting it into a CD?

G: Well then I can't touch it in case of emergency.


I swear, it's crap like this that makes me want to scream. Either you want to be able to get to your money, or you don't, dolt. It's called self-discipline. A very simple concept:

A. I want to save my money.
B. So I'm not going to withdraw any.

Instead of being somewhat ashamed that he has the willpower of a 3 year old, there he is carrying on this in-depth discussion trying to find some artificial banking construct that will say "no, you can't have it....well...unless you really, really need it!" Here's a young guy who probably makes half what I do pontificating on various interest rates and investment schemes (I left that part out) as if he's Donald Trump, yet doesn't have the self-discipline of a squirrel trying to store up acorns for the winter.

If you suck that bad just have the loot sent to your mom to hold or something. Or give it to me.