"Imagine there is a bank account that credits your account each morning with $86,400. It carries over no balance from day to day. What would you do? Draw out every cent, of course? Each of us has such a bank, its name is time. Every morning, it credits you 86,400 seconds. You must live in the present on today's deposits. Invest it so as to get from it the utmost in health, happiness, and health. The clock is running. Make the most of today."