Take a moment     1     (imagine) yourself in ten years. You might have a few more grey hairs and wrinkles, and hope to change your material circumstances, too. But does the person you imagine feel very close to the person you are today.

Some people have a vivid sense of future self, which feels     2     (extreme) close to their current identity. These people tend to be more responsible for their money     3     they are keen to act in a way     4     will make life easier in the years ahead than present. Many other people see their future self as a separate person that has little     5     (relevant) to their present identity and,     6     consequence, they are far less worried about the long-term consequences of their actions.

You could almost think about your future self as a relationship that should     7     (pay) great efforts to develop. Thinking more about whom we will be in the future has a profound effect on our health, happiness and     8     (finance) security. You might consider a simple imaginative exercise—writing     9     letter from the future. This encourages people to feel a greater sense of link with their future self, thus     10     (prepare) for positive behavioral change.