Imagine there is a bank that credits your account each morning with $86, 400. It carries over no balance from day to day. Every morning it deletes whatever part of the balance you failed to use during the day. What would you do? Draw out every cent of course.

Each of us has 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. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There’s no going back. There’s no drawing against tomorrow. You must live in the present on today’s deposits. Invest it so as to get from it the utmost in health, happiness and success!

The clock is running. Make the most of today.

• To realize the value of one year, ask a student who failed a grade.
• To realize the value of one month, ask a mother who gave birth to a premature baby.
• To realize the value of one week, ask the editor of a weekly newspaper.
• To realize the value of one day, ask a soldier in the battlefield.
• To realize the value of one hour, ask the lovers who are waiting to meet.
• To realize the value of one minute, ask a person who missed the train.
• To realize the value of one second, ask a person who just avoided an accident.
• To realize the value of one millisecond, ask a person who won a medal in the Olympics.