The tricky thing is factoring death into the equation. At some point, given that we all might die on any given day, delaying gratification to save a small amoun

The tricky thing is factoring death into the equation. At some point, given that we all might die on any given day, delaying gratification to save a small amount of interest isn't worth the risk. But of course that's hard to calculate. Also, if you wait to buy something then you have less time to enjoy it, so it is theoretically worth a bit less to you.