"If every morning your banker credited your account with $86,400
but every evening canceled whatever part of the amount you failed to invest,
what would you do?
Invest every cent - of course!
Well, you have such an account - it is called time.
Every day you are credited with 86,400 seconds.
At midnight, whatever you failed to invest is lost forever.
A balance is not carried over to the next day and
you are not allowed over-drafts.
Each day the bank called Time opens a new account with you.
Each night it burns the records of the day.
If you fail to use the day’s deposits, the loss is yours."