Time Is Money!! What does this mean to you?

I've been thru several management courses and a degree as well in business, and that's what they teach "time is money". What they're saying is don't waste time, use your time efficiently, make your money work for you. They used to also say to use opm (other peoples money) but we've learned this past few years that everyone is going broke because of this theory. There are lots of other things they told us like to hire people smarter than you and then to just let them do their thing and bring you the results but we know that if you don't oversee the work things fall apart like in the Obama administration. The people you talk about are not your friends (you can tell that by what they are saying to you), they are acquaintances only and you can walk away from them anytime you choose. You have a chance and you can try working with your own money as you choose, just start small. Right now the economy has its ups and downs, places not giving much interest, stocks pushed up for the rich to make money then they collaborate and sell all at once and you'd be left high and dry. Real estate used to be a good asset to own but it's lost (in some places) half it's value. The American dollar in fact has lost its value because the government prints money and will have to continue to print money so it will lose even more of its value and the cost of food, gas, housing, water, electricity will go sky high. right now people are investing in precious medals however the prices on those have risen considerably and maybe, maybe not, it's time to invest in those. Like when you want bread will you be able to use a piece of gold to buy the bread, no, you'd have to cash it in first. so it may or may not be a good thing to invest in right now. And we don't know when the time is to sell that. People used to say that education is the best place to invest your money because no one can take that away from you. Today the interest alone is way out of kilter and can strap you in for life on paying back those school bills. I'd say that an education in being able to fix things (like your car, or plumbing, carpentry work or electricity), to grow food, to learn to live inexpensively (learn the value of a dollar), to buy a piece of land (with cash) and grow food there is a good idea, learn how to budget, learn about animals and transportation. These are invaluable lessons. A lot of this information is on the internet. Put your retirement into a retirement fund, the kind that can't be liened upon, you'll need that money later, and if you can get out of paying taxes on it then choose that way (like check out a Roth, or get the kind for now that your employer matches your deposits) but check with your CPA about that. And, make friends with an attorney who could help you out when in need.