I can give you a better example against delayed gratification. The cabinet maker who built the kitchen cabinets for our first home wanted to apply bricks to the front of his house. He had estimates done when he and his wife bought the house and, being a thrifty person by nature and a man who income fluctuated with the work he contracted to do, he set up a savings plan. When he had sufficient funds to pay for the work, he learned the price was significantly higher. He paid the amount he had saved and financed the remainder.
Often, there are times when it might be economically more feasible to borrow money for a job, which, in this case was based on personal preference rather than need.
I also have a story that supports delayed gratification.
When we enlarged the third floor of our second house by raising a dormer, we could not install the floor immediately. We took estimates that summer but did not have the money. During the middle of winter, my ex received a bonus that allowed us to pay cash for the work. We took new estimates and found that construction workers, unable to do outdoor work, had lowered the price of installation just to have work. IT was not our intention to delay the job but it paid off for us and for the young man who laid the floor.