Waste Not Suppose there is a bank that credits your account each morning With $86,400.  It carries over no balance from day to day. Early evening it deletes whatever part of the balance you failed to use during the day.  What would you do?  Draw out every penny, of course!  But each of us has such a bank. Its name is time.  Every morning it credits us with 86, 400 seconds and every night it writes off as lost whatever of this we’ve failed to invest for good purpose.  There is no drawing against “tomorrow.”  You must live in the present. Make the most of it.