The "easier it is to play" part is seems quite true, from a psychological perspective. If one has built up a strong habit of carefully managing your finances an

The "easier it is to play" part is seems quite true, from a psychological perspective. If one has built up a strong habit of carefully managing your finances and not spending too much, then that is what you are likely to keep doing (in general). The "greater rewards part" looks to me like a reference to compounding results, which I don't think is very controversial. I don't know much about time diversification, but it looks interesting. I'll have to read more about it sometime.