Almost every day, there are new social media group chats about investment and money management being created but only few of them last for more than six months. People are energetic with their light bulb ideas, but how to sustain that enthusiasm is the real challenge. Every month I do a financial literacy seminar for more than 50 participants. But following the path of these people after the whole day event will clearly tell you that only few of them have real endurance in wanting to be successful. We love to start things all the time but we rarely “finish” them. Bruce Lee, the famous martial artist, and movie star once said, “Long-term consistency beats short-term intensity.”