Last Saturday I met one of my closest friends and her family for brunch. As is want to happen in New York, the subways were delayed and it would have taken me quite a long time to get there, so I opted to call a Lyft. As soon as I got in the car my driver started a conversation about his life. He mentioned that he had so many good intentions but it was hard to have discipline. He specifically wanted to be more consistent with how he saved money. He had it coming in but spent