What are the benefits of Dhamma in this very life that could be understood by a beginner?

Please limit the benefits to the here and now, because an ingenious youth hearing the benefit of future rebirths and also hearing hard to grasp concepts of karma might surely say “what’s in it for me *now*? what do I care what happens in the future?”. In other words, one who is a beginner and who lack virtues will say “Ooh this karmic concept you teach is like borrowing money from someone I don't know and I don't have to pay right *now* so why should I care?” By saying the above I’m not trying to open a discussion about Karma / Self etc… a virtue done because of idea of self as proposed by other religions where you get tormented in the future for action done here is a phony virtue, its like being temperate toward your wife for fear of losing her.