In this episode of "Our 2 Cents," Steve and Gabriel discuss the concept of delayed gratification and its impact on building wealth. But first, they're sharing quotes of the month, their thoughts on the current national debt, and some tax-friendly states for retirees.

1. Gabriel's Quotes of the Month:
   • "Wealth is largely the result of habit." — John Jacob Astor
   • "The goal isn't more money, the goal is living life on your terms." — Chris Brogan
2. America's National Debt - Is it Really a Problem?:
   • How government deficits don't exactly work like household debt.
   • The notion of "servicing" debt as opposed to paying it off in full.
3. States That Don't Tax Your Nest Egg:
   • Where you live and retire can have a pretty big impact on your retirement income.
   • The states that don't tax any income, the ones that don't tax retirement income specifically, those who don't tax Social Security, and the states with no tax on pensions.
4. The Benefits of Delaying Gratification:
   • Not pausing your retirement savings to pay for more things today.
   • Not saving in only tax-deferred accounts.
   • Waiting for interest rates to go down before making big purchases.