literatures on delay of gratification, intertemporal choice, and delay discounting show that when people are impatient, they end up less well off (Ainslie & Haslam, 1992; Berns, Laibson, & Loewenstein, 2007; Frederick, Loewenstein, & O'Donoghue, 2003; McClure, Laibson, Loewenstein, & Cohen, 2004; Mischel, Shod