Ключевые слова: assets, background, budgeting, business, capital, cash flow, clock, concept, currency, currency exchange, deadline, earning, economy, efficiency, finance, financial, financial decision, financial growth, financial independence, financial literacy, financial planning, financial stability, financial strategy, flying, growth, hourglass, investment, monetary, money, opportunity, productivity, profitability, prosperity, sand, sand clock, sand timer, savings, success, time, time constraint, time is money, time management, time value of money, timesensitive, timing, value, wealth, wealth accumulation,