What does Ramsey say about “instant gratification”?

Dave Ramsey emphasizes that instant gratification can lead to poor financial choices and long-term debt because it promotes impulsive spending rather than deliberate financial planning. When individuals seek immediate satisfaction through purchases, they may prioritize short-term desires over long-term financial goals, such as saving for an emergency fund or investing for the future. This quick-fix mindset often results in accumulating debt, as people may use credit cards or loans to fund these spontaneous purchases, not fully considering the long-term consequences. By focusing on instant gratification, individuals can jeopardize their overall financial health and stability, missing out on the benefits of discipline and delayed gratification that can lead to lasting wealth and security.