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Recently Arthur C. Brooks wrote an article in the Op-Ed Section of the Wall Street Journal in which he recalled the now famous 1972 Stamford psychologist who did an ingenious experiment. He placed a marshmallow in front of young children and told them if they wait fifteen minutes before eating the marshmallow they would receive a second one as a reward. Thus, for the investment of fifteen minutes they could have two marshmallows instead of one. About two thirds of the children failed the experiment as they desired immediate gratification and gobbled up the single marshmallow right away. What are we doing to teach our children to save?