If you had a bank that credited your account each morning with $86,000 that carried over no balance from day to day…Allowed you to keep no cash in your account, and every evening canceled whatever part of the amount you failed to use during the day, what would you do? Most probably you would draw out every cent every day, of course, and use it to your advantage!

Well, you have such a bank, and its name is TIME. Every morning it credits you with 86,400 seconds. Every night it rules off as lost whatever of this you failed to invest to good purpose. It carries over no balances, it allows no overdrafts. Each day it opens a new account with you. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against tomorrow.

With that illustration in your mind, what will you do different, if anything, today with your account?

Tags: account, budget, responsibility, time