Buying insurance and investing for the future requires spending less in the present. why is this a hard choice for many people

In fact, there is a trade-off between saving and spending money. This becomes an individual choice for most people because the temptation to consume goods and services is high and for a person to decide to invest he or she needs to have an incentive as an attractive return possibility. In my case, this is not so difficult because I am a financially controlled person. Every month I save a percentage of my income and use the rest to meet my consumption needs. That way I can balance the usefulness of my money. One part is invested for my future while the other part I use in the present.