This spring I had a series of large unexpected expenses. Past low time preference, saving and growing an emergency fund for years, literally paid my bills when those expenses got bigger than what was left of my paychecks after regular expenses.

I keep hearing that most Americans can't handle an unexpected $400 expense. Low time preference meant I covered 20x that with plenty of room to spare and no credit card debt.

Anyone who says low time preference doesn't pay their bills doesn't know what low time preference is or never actually tried it.