Saving just $5 a day everyday can have an enormous impact on your financial future, syndicated Los Angeles Times columnist Kathy Kristof writes in a recent article. When it comes to this topic, everybody loves picking on Starbucks! But people also blow a Lincoln a day on buying breakfast or lunch on the go. For those who do come up with the extra $5 everyday, here's how it can grow with interest over the years: After 10 years, you'll have $29K; after 20 years, it will be $105K; and after 40 years, a whopping $800K!

Some of us are so careful with our money that we couldn't come up with an extra $5 a day. However, most of us could. Clark challenges listeners to write down everything they spend money on while walking around during the next 2 weeks. This will help you see where you can trim your budget.

In addition to frivolous purchases, our inability to delay gratification conspires against our future financial security. Money magazine reports that when people were offered $20 today vs. more money about 6 months in the future, the people overwhelmingly took the $20. In fact, people had to be offered money with an average interest rate growth of 4,800% to get them to delay gratification! The only way to overcome our innate bias towards immediate gratification is to set up automatic withdrawals before the money gets to you -- like with a 401(k), for example.