Ключевые слова: accumulation, asset, budgeting, business concept, capital, coin stack, coins, currency, earning, economic stability, economy, finance, financial concept, financial growth, financial literacy, financial planning, financial stability, financial success, fiscal responsibility, hourglass, investment, investment growth, money concept, money saving, money stacking, prosperity, return on investment, sand timer, saving money, savings, strategic planning, time is money, time management, time passage, time symbol, time value, wealth, wealth accumulation, wealth concept, wealth management,