So much of the financial advice we get from social media, television, and podcasts focuses on the instant gratification of wealth. Experts promise ways to get rich fast, proposing we cut spending on everyday items – those frilly Starbucks drinks and organic avocados … and eggs – in favor of putting an extra few dollars a week into our checking accounts. Then, if we let time and the apps, the ebooks, the online courses they’re pushing do the work, those bills will accumulate, making us millionaires in one year, or three, or five.