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The more you put your Future Self in debt in terms of health, learning, finances, and time, the more painful and costly will be the eventual toll. There will be a lot of interest to pay if you continually accrue debt. Everything you do can be categorized as either a cost to or an investment in your Future Self. Costing your Future Self means you’re more focused on present or short-term rewards over long-term consequences. Costing your Future Self means you’re consuming far more than you’re creating. Every little action adds up. A cost makes you less healthy in some way, whether mentally, emotionally, spiritually, relationally, or physically. If repeated, costs make you fatter, lazier, hazier, and less connected. A cost is something that comes to control you, rather than you controlling it.