Imagine there is a bank which credits your account each morning with $86,400. It carries over no balance from day to day, allows you to keep no such balance, and every evening cancels, whatever part of the amount you had failed to use during the day. What would you do? Draw out every cent, of course! Well, everyone has such a bank.  Its name is TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off, as lost, whatever of this you have failed to invest to good purpose. It carries over no balance. It allows no overdraft. More >