How to Invest Your Time Like Money

3. Create a Base Schedule

Time is an equal opportunity employer. Each human being has exactly the same number of hours and minutes every day. —Denis Waitley, writer

Just because you operate within your time budget doesn’t mean you’re making the most of it. As a financial analogy, you may earn enough income to easily cover your living expenses and even have some additional resources for saving and investment. But if you spend your money on whatever pops up in front of you—a new tech tool, an expensive bottle of wine, or a spontaneous trip—without considering how much you need to reserve for your essential expenses, like your mortgage or car payments, you can end up enormously stressed about living within your means. Even worse, if any unexpected ...