If you had a bank that credited $86,400 to your account each morning, carried over the balance from day to day, allowed you to keep no cash in your account at the end of 24 hours, canceled out whatever part of that amount you failed to use, what would you do?

Try to spend every cent, of course! Well, everyone does have such a bank, and its name is TIME. Every morning it credits you with 86,400 seconds.

If you don't use the day's deposit, the loss is yours. There is no going back, no drawing against tomorrow.