If you had a bank that credited your account each morning with $86,400—with no balance carried from day to day—what would you do? Well, you do have such a bank…time.
Every morning it credits you with 86,400 seconds. Every night it rules off as “lost” whatever you have failed to use toward good purposes. It carries over no balances and allows no overdrafts. You can’t hoard it, save it, store it, loan it or invest it. You can only use it—time.