The key to making healthy decisions is to respect your future self. Honor him or her. Treat him or her like you would treat a friend or a loved one. A Stanford study showed that those who saw a photo of their future self made smarter financial decisions.

Jacobs is the author of The Two Kings: Elvis and Jesus (1994) an irreverent comedic comparison of Elvis Presley and Jesus; and America Off-Line (1996). He is the editor at large for Esquire and previously worked for the Antioch Daily Ledger and Entertainment Weekly. He wrote about it in his humorous book The Know-It-All: One Man's Humble Quest to Become the Smartest Person in the World (2004).

J. Arnold Stephen Jacobs Jr.