Chen’s recent findings suggest that an unlikely factor, language, strongly affects our future-oriented behavior. Some languages strongly distinguish the present and the future. Other languages only weakly distinguish the present and the future. Chen’s recent research suggests that people who speak languages that weakly distinguish the present and the future are better prepared for the future. They accumulate more wealth and they are better able to maintain their health. The way these people conceptualize the future is similar to the way they conceptualize the present. As a result, the future does not feel very distant and it is easier for them to act in accordance with their future interests.
Different languages have different ways of talking about the future. Some languages, such as English, Korean, and Russian, require their speakers to refer to the future explicitly. Every time English-speakers talk about the future, they have to use future markers such as “will” or “going to.” In other languages, such as Mandarin, Japanese, and German, future markers are not obligatory. The future is often talked about similar to the way present is talked about and the meaning is understood from the context. A Mandarin speaker who is going to go to a seminar might say “Wo qu ting jiangzuo,” which translates to “I go listen seminar.” Languages such as English constantly remind their speakers that future events are distant. For speakers of languages such as Mandarin future feels closer. As a consequence, resisting immediate impulses and investing for the future is easier for Mandarin speakers.
Similar analyses showed that speaking a language that does not have obligatory future markers, such as Mandarin, makes people accumulate more retirement assets, smoke less, exercise more, and generally be healthier in older age. Countries’ national savings rates are also affected by language. Having a larger proportion of people speaking languages that does not have obligatory future markers makes national savings rates higher.This seems utterly ridiculous on its face ---- because English speakers think of the future as "distant," we give up on the effort it must therefore take? But perhaps the science has spoken. Many things that are true run contrary to intuition (that the earth is round, for example, or the heliocentric theory).
See also the study discussed here, "Does Language Form Thought?"