time management

Time is All We Have: 3 Ways to Increase Return on Investment

Do not squander time for that is the stuff life is made of.
– Benjamin Franklin

Return on investment (ROI) is a term you hear frequently, usually in relation to business and finance. The goal (obviously) is to maximize return on the money you invest. The implications of this concept go much deeper when you start to think of time as your primary investment rather than money. Everything you do is an investment of time. When you watch television, you’re making an investment in entertainment. If you watch a show that sucks, you’ve made a bad investment and receive a poor return for your time.

In many ways time is more valuable than money. You’ll always have the opportunity to make more money, but once time has been spent it’s gone forever. When you think of time as a commodity, and all of your actions as investments, it changes the way you approach every day decisions.

We spend time in many different ways: working, eating, sleep, exercise, entertainment, etc. All of these things are important. When we start investing too heavily in one area and not enough in another we create problems for ourselves. The key is investing our time in a manner that perfectly balances each of these areas and forms a productive and pleasurable life.

Deciding how to invest our time is a formidable task. Unlike business, there are no percentages or spreadsheets to reference. We have to rely on experience and intuition. I’m far from a master at this, but these are a few principals I use to guide my decision making.

1. Look for Multiple Positives

A multiple positive is an activity that generates a positive return in more than one area. These are great for ROI because they multiply returns and incur fewer losses. One of my best multiple positives is working on this website. It’s something that I find extremely entertaining, it contributes to a small (but steadily growing) stream of income, and it develops skills that I’ll be able to use the rest of my life like writing, web design, and networking.

Every individual will have different multiple positives, the important part is finding ones that work for you. A multiple positive for a software developer might be working on open source or a personal project. It can even be as simple as playing basketball, a fun game that’s also great exercise. The key to finding multiple positives is finding areas where different positive actions intersect. If I can find a way to get paid to eat delicious food I’ll be golden.

2. Avoid Multiple Negatives

Multiple negatives are the same as multiple positives, except the complete opposite. These are activities that detract from multiple areas of life. One of my favorite weaknesses is going out drinking. This hurts me in three ways: the time spent isn’t productive, drinks are expensive, and the effect of staying up late and being hungover usually ruins the following day. If I don’t have a good time, this is basically the worst possible scenario.

I’m not saying you should never go out and have a good time. To be happy we need socialization and excitement. My point is that we should always try to minimize the negative impact of our actions. I try to do this by minimizing the amount I drink and only going out when I know it will be enjoyable. Often we get caught in a pattern of poor investment. Over time, the benefits fade away and what remains is mostly negative, but we keep doing it out of habit. This can be avoided by periodically analyzing our behavior. Is it still a good investment, or is it time to make a change?

3. Utilize the Power of Compounding

I’m sure that everyone reading this understands the power of compound interest. When you invest money you earn interest. Then you start earning interest on the money you earned from interest. Over many years this continues to compound and eventually leads to a very large sum of money. The same concept applies to time. If you invest time by working hard when you’re young, you put yourself in a position to succeed that will continue compounding for the rest of your life. If you waste time when you’re young, you can’t make up for it later because you’ve lost the opportunity to utilize the power compounding.

Many people my age fail realize this, in fact I didn’t, or at least I didn’t act on it, until fairly recently. The primary reason is that we’re trapped in the childish mindset. As a child, your only responsibility is entertaining yourself. You needn’t worry about investing your time because Mommy and Daddy are there to take care of you and they’re usually happy as long as you stay out of trouble. These days many young adults ride the childish mindset straight through college. After graduation we’re expected to adopt the adult mindset (and the responsibility of investing our time) instantaneously. A lot of people don’t get it, and every year they waste trying to extend the college days is an opportunity that can never be replaced.

Many people think their time isn’t valuable when they aren’t working, so they throw it away on activities that have a poor return on investment and don’t build for the future. The truth is, no one else is going to consider your time valuable until you do. If you want to acquire the wealth that will provide the freedom to live your ideal lifestyle, start thinking of every decision as an investment. Nothing is insignificant.

One mental model that can help you make better decisions is imagining that your life is a corporation and you’re the only employee. If you were the CEO of John Doe Incorporated, and were obliged to maximize profit on behalf of investors, what would you make yourself do? You’ll find that this sort of analysis simplifies many decisions and increases return on investment.

112 Responses to Time is All We Have: 3 Ways to Increase Return on Investment

  1. James says:

    Good ideas, but the article could really use more examples of what he’s talking about. All I saw in there were 1) play basketball and 2) don’t go out drinking. Not a huge help.

  2. John Wesley says:

    Thanks for the feedback, James. I see your point. My intention with this article was to explain the ideas in a conceptual sense. If people are interested in more concrete examples of how to apply them, that’s something I will definitely cover in the future.

  3. Peter S C says:

    I enjoyed the article John. As a fulltime worker, aspiring blogger, father & husband I know that time is precious. I consider myself productive in many ways, but there is still much I can do (eg less TV and drinking). A followup article with specific examples would be useful.

  4. John Wesley says:

    Thanks, Peter, I’m glad you enjoyed it.

  5. Gabe says:

    John…great piece (this one will get tagged for future reference). I especially like the analogy of compounding interest with compounding your time while your young. I’m in my late 20’s and I’ve personally felt a significant shift in my prioritize in the last 2 years to get things done & be productive so that I’m not behind the eight ball when I’m in my 40’s and 50’s. I’m a mortgage banker and too often I see credit reports where individuals are just swamped in debt and working jobs that are normally not conducive for substantial increases in pay. These people have reached the ceiling in terms of earning power and are stuck working these dead-end jobs that they hate but have to do everyday to pay their bills. I don’t want to be like this and I’m grateful for the many resources (Internet) available today for me to learn and advance me skill set so that I can set myself up nicely in the years ahead.

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  7. richard says:

    Small thing:

    One of the links on your home page is broken:


  8. John Wesley says:


    Thanks for letting me. It’s fixed now. Some how that post got set to private.

  9. icup says:

    “If you waste time when you’re young, you can’t make up for it later because you’ve lost the opportunity to utilize the power compounding.”

    On the other hand, if you work all the time and don’t take the opportunity to have fun while you’re young, you may not be able to make up for it later after you’ve retired, because you will no longer be young so many doors will be closed to you (unless you work so hard you can retire young). Just something to think about.

  10. John Wesley says:

    Very true. The last thing I want to advocate is the workaholic lifestyle. I think working a lot can feel great if your career is something you love. It all about finding balance, not an easy thing to do.

  11. 60 in 3 says:

    That’s a great article John. To me, it’s really more about prioritizing. If I have a choice between two actions, I should choose the one with the most amount of positives and the least amount of negatives. If I’m choosing between two forms of entertainment, I should pick the one that might also teach me something, or help my finances.

  12. JohnPlace says:

    John, I recently discovered your Website and I am really enjoying it. A previous poster stole my thunder with his praise of your “power of compounding” theory, since that part of the article truly resonated with me.

    My problem when I was younger wasn’t lack of hard work — it was lack of focus. I spent time working in radio, then in I.T., then in writing, tutoring, etc. My journey has been fragmented, which has minimized my ability to “compound” my experiences.

    There is some benefit to this, though. I find that my fragmented experiences give me a somewhat unique perspective and an ability to handle a wide range of tasks — so maybe another way of looking at it is that the power of compounding has created a single, cohesive skillset from all my early wandering.

    Great Blog, John.

  13. Tom Fotherby says:

    Hi John,

    I enjoyed your post and realised I’ve been worrying about the “Return On Investment” of my time a lot lately. My main “weakness” is that I have a 90 minute commute to and from work everyday. It’s an unacceptable waste that I have been trying to solve by doing a lot of reading and also by getting a portable internet device so I can be productive whilst travelling. But I think commuting is a large percentage of peoples wasted ROI.

    Tom Fotherby

  14. John Wesley says:

    Thanks everybody.

  15. Ahmad K says:

    hey, I have a question for you. What do you think about religion? Is it a major part of your life? Do you think it’s a positive investment of our time? and do you think there will actually be a ROI?

  16. John Wesley says:

    Ahmad K,

    That’s a tough question, I think the answer is probably different for different people. Personally, I’ve never been very involved in formal religion, but I think individual spirituality is important. The ROI all depends on personal beliefs so it’s nearly impossible to measure.

  17. James Tadeo says:

    I really enjoyed how you’ve defined the part about starting young and realizing the power of being productive as early as possible. The drinking part made me chuckle :)

  18. I’m going to be the contrarian here and disagree. It’s not about time. It’s about choosing your actions. I’ve seen fellow employees whine because they said they needed more training in time management. They were blaming their lack of success on an external factor: time. They should have been blaming it on an internal factor: their poor decision making skills. Because they blamed their lack of success on an external factor, they went reactive and waited for something or someone to do something for them. But they should have been proactive in learning how to make better choices.

    As for “compounding,” you cannot invest one hour and expect to get back 7o minutes.

    Although I disagree, I like your blog. Keep up the good, hard work.



  19. Aaron says:

    I particularly like the “compounding theory” and I couldn’t agree more on it. Thank you for this nice post John.

  20. John Wesley says:


    With regards to compounding, I never meant to say that you can create more time. What I meant is that if you put in effort earlier, you get greater returns. For example, if someone worked very hard in their early 20’s and became a manager at the age of 25, they’d have a great chance of becoming an executive. On the other hand, someone who wasted 5-10 years before working hard and became a manager at 32 would have a much harder time rising through the corporate ranks. Even if the 32 year old worked harder, they already missed out on the benefits of early entry.

    The idea is that success builds on itself. The rich keep getting richer, so the sooner you can start building momentum the more time it has to snowball. I see examples of this everywhere, especially with this blog. If only I’d started it a couple years ago.

  21. Lee U. says:

    Love picking your brain. The “compounding” example is excellent and it’s great to see someone so young “get it” while he still has time within a natural lifespan to enjoy and maximize the compounding aspect of those time-as-investment-decisions. I’m a baby boomer who wasted too many years on sex, drugs & rock ‘n roll, as they say. Bad decisions and certain circumstances that don’t need airing have left me approaching retirement with NADA! Even though I can do some things now to try and catch up a bit, the reality of the limited quantity of time is left to me, especially pre-the looming deteriorating health of ‘old age’, cannot be altered or ignored.

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  23. Kari says:

    “If I can find a way to get paid to eat delicious food I’ll be golden.”

    become a food critic? :)

  24. John Wesley says:

    Haha, that’s a great suggestion.

  25. motorcyclegrandmama says:

    Speaking of wasting time, I just realized that’s exactly what I was doing by reading all your comments!

  26. John Wesley says:

    Haha, well this site is the exception!

  27. Wade Allen says:

    One of the multiple positives for me is doing exercise while listening to audio books or podcasts. It both helps body and brain.

  28. John Wesley says:

    That’s a great example. I need to download more podcasts to my Ipod and hit the elliptical machine.

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  30. bc says:

    @John Wesley — Multiple Positives are a great concept, which I guess I’ve been using for some time.

    @Wade Allen — you mentioned it first — I’ve been doing this for 8 years now, with this additional positive — I walk to work, listening to good books. So that’s at least three positives:
    1. listening to books to improve my mind
    2. commuting without polluting the air or burning fossil fuels
    3. exercising daily like my doctor ordered

    Aside: Given the rising price of gas, I keep expecting to meet even more walkers and bikers on my daily commute. Where are you guys?

  31. John Wesley says:

    @bc — I wish I was able to walk to work for the same reasons. Unfortunately I live too far away. Maybe if gas keeps going up I’ll look for a closer apartment.

  32. brent says:

    a good example of compounding time might be in stretching.

    if you want to be able to touch your toes at the age of 35, then at 25 it’s a good idea to be stretching regularly and maintaining that level of agility.

    if you start when you’re 34.5, after 10 years of couch-blobbing, you’ll have less likelihood of reaching that goal.

  33. Matt Heinz says:

    Great stuff, John! I love the concept of multiple positives. I bet that many people read this and assume that you mean multi-tasking at work is a good thing. I’m not so sure – when you’re trying to do many things at once, you typically don’t do any of them well. Or, worse, you’re just switching back and forth between different things, and failing to put your full brainpower behind any of them.

    Rather, your definition of multiple positives (I believe) is to take a SINGLE task that has multiple benefits, and focus on that.

    Keep up the great work!

  34. John Wesley says:


    You’re exactly right about what I meant. I’m actually a terrible multi-tasker and don’t believe it increases productivity (at least in my case). When I’m working on something I become completely absorbed in what I’m doing and ignore everything else. My friends complain about this all the time because they’ll ask me a question and won’t get any response until I break my train of thought.

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  36. Excellent article. Everyone is familiar with the power of compounding as it pertains to money, but few consider health, relationship, and other implications. An excellent but little known book that illuminates this is The Slight Edge by Jeff Olson.

    Every day, in every moment, you get to exercise choices that will determine whether or not you will become a great person, living a great life. Greatness is not something predetermined, predestined or carved into your fate by forces beyond your control. Greatness is always in the moment of the decision. –Jeff Olson

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  38. JL says:

    Switching from the child mindset to the adult mindset was something I really struggled with. At first (when I was 13), I just wanted to be a kid and have fun because I was sick of people expecting me to adopt the teen mindset, which I found filled with social conditioning. Then I found StevePavlina.com and I realized with the adult mindset, implemented in a courageous way, I could have even more fun than I had before I was 13! (From 1-12 my life was basically routine contentment, social conditioning finally made it worse and made my life from 13-14 pretty much not fun)

    I’ve completely skipped the teen mindset (I’m 15 now), and I’m glad I did because to tell you the truth it’s just a popularity contest. Compound interest is so true with time and investing it… I noticed back in 2006 when I discovered Steve Pavlina, my life didn’t get better at all for several months. I had tried to break internet addiction and it kind of worked. I tried setting and achieving goals and it kind of worked. I set up a website and that kind of worked. Then a couple months ago they started to pay off. I had improved my personality, health, and optimism. This week things are going much faster. My website is getting more traffic, I started a blog (I don’t know how so many ideas for blog entries popped out of thin air!), I’m getting better at game dev, becoming an early riser, implementing a creativity style similar to that of the Disney Imagineers, and spending more time with my friends.

    But because I’m a minor it severely limits what I can do. I can’t set up a domain name because I have neither the money (game biz hasn’t taken off yet) nor sufficient experience in HTML yet. I can’t use Google Adsense to generate income because I’m under 18. I can’t transfer my savings to ING direct and get 5.25% interest because I’d need a joint checking account with my mother or father because and that is too much trouble to do. I can’t spend as much time as I’d like designing my games because my mom says it’s bad to be on the computer for more than 1.5 hours a day.
    So here’s my Master Plan, this will maximize my compound returns on time investment:

    Now – 2010
    — Keep reading Steve Pavlina to undo all social conditioning.
    — Adopt a sleep pattern of getting up at dawn and going to bed at night. (This healthier and you need less sleep this way than if you sleep in and stay up late every weekend day)
    — Keep coding games so by the time I can set up my business I’ll be good enough to start making money immediately.
    — Stop eating junk food (this is hard to break, stupid social conditioning!) and start excersing more

    2010 – 2018
    — Establish passive income that requires 1 hour a week or less to maintain
    — Get really good at time management
    — Get married

    2019 and onward
    — I haven’t though about this part yet, but most of it is going to be free time

    Thank you for reminding me that social conditioning gives us negative muliple negatives now I can replace them with multiple positives!!!

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  40. Valerie says:

    I agree with the whole concept of time management and making good choices about how to spend time in productive ways. Eventually every positive, productive action leads to some kind of payoff that makes it worth while. However, I would like to point out that some activities look like they are a waste of time, but actually feed the soul of creativity and energize the spirit. The benefits are internal and cannot be proven or given a monetary value. Things like gazing out over a beautiful scene, like the ocean or mountains or quietly, watching wildlife are necessary activities to calm the mind and bring balance. Sitting in the morning sun while sipping a fresh cup of brew is not productive, but rather a Sunday morning ritual that makes me feel happy to be alive! So I say, go out and choose to be productive, but also nurture your self with some “time out” activities that make you feel good and don’t have to create, produce, or payoff in the future. Sometimes enjoy life by just being here and don’t feel guilty about your personal “time outs”!

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  44. daveo says:

    While I think you are dead-on in describing a good set of rules for the average person, and your thesis is 100% correct, highly intelligent individuals might suffer from following this advice. It’s no secret that the most brilliant ideas come from a very small number of people. This advice is somewhat prejudiced towards conformity, and conformity is a killer for brilliant minds. Sometimes allowing yourself to “wander” is essential for letting the subconscious mind take over and solve problems and dream up new ideas.

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  46. EthanW says:

    daveo, I couldn’t agree with you more. “not all who wander are lost” – Tolkien.

    I also couldn’t agree with John more. I think you need both. Think of it this way.

    MAXIMIZE your time, like john talks about with a very STRONG FOCUS. Be Proactive in making yourself that much time to “wander and do nothing”.

    I am by no means successful yet that I could pretend to be an expert in this, but I can give an example of an experience I had recently.

    I run my own business and am fortunate to have several salespeople, production, admin staff, etc. so that I don’t need to be there every minute of every day.

    I crashed at my brother’s house(which happens to be the house I grew up in) and went for a run through neighborhoods I hadn’t seen since I was a kid.

    It was a perfect day and I had no plans for where I was running, I just went.

    Turns out I ended up at this amazing dock overlooking a huge lake.

    I must have sat there for 2 hours. It was well after 9am and I guess everyone else was at work or school. I just sat there and watched geese fly around, cars on a bridge on the other side of the lake, frogs, minnows.

    I ended up coming up with a new marketing idea for my business that is really working. If I hadn’t spent a few hours without distraction in a stimulating environment that I randomly wandered to, maybe I wouldn’t have thought about my life and business the way I did(not trying to say it was a genius move like you’re eluding to).

    John, I’m glad to see your sticking with this concept. Good stuff.

  47. R.O. says:

    You made some very good points about return on investment and I would like to add my two cents. I agree that time is way more valuable than money, but I disagree with your opinion of lost opportunities due lack of time compounding. In my opinion, opportunities are primarily based on location and vocation. You have to know which vocation offers the best opportunities in the right location. Furthermore, you should be passionate about your vocation. Basically, anyone can become successful at any point in time regardless of how old they are when they start.

    Time is way to complex of a subject to use in an article unless you plan on utilizing some scientific jargon. Even Einstein’s theory of special relativity is incomplete without considering biology, specifically space radiation. I can’t say that it is impossible to compound time, but I think you meant compounding opportunities which is more based on decision making than time. Each opportunity opens a door to another opportunity that a clever person can take full advantage of. Some people are just better at making the best decisions for their own life than others.

    I think your idea about multiple positives is spot on though. For example instead of just focusing on getting rich, one could focus on becoming a millionaire or billionaire while traveling the world and completing many other goals along the way all at once. Great post.

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  51. Tyler Durden says:

    Nice, but needs some spelling work.

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  54. vishnu says:

    Enjoyed the article. Your last suggestion pretty much translates to “Take ownership of all your activities”. Just thinking that has created a mental shift that feels empowering. I am dying to put that into action.

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  56. joe says:

    “Unlike business, there are no percentages or spreadsheets to reference.”

    Why not? There should be. If “the key is investing our time in a manner that perfectly balances …and forms a productive and pleasurable life,” I think a spreadsheet or a similar software application is indispensable. We use calculators and spreads when investing our money with reference to compounding and maximizing our returns, yet we invest our time aimlessly.

    I would be most interested in a software or spreadsheet that allows me to consistently invest in multiple positives.

    Excellent article. Thanks!

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  58. Francis Chin says:

    Goethe says: Everything we say has been said before; the trick is to say it in a new way.

    The ideas here are not new but by expressing them in a new, fresh way, you have made me see things in a different perspective. Thanks!

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  62. Tanya says:

    “As a child, your only responsibility is entertaining yourself. You needn’t worry about investing your time because Mommy and Daddy are there to take care of you and they’re usually happy as long as you stay out of trouble. …After graduation we’re expected to adopt the adult mindset (and the responsibility of investing our time) instantaneously.”

    What exactly is an adult mindset? How is time investment as a child different from an adult? Sure the desired outcomes change with time. As a child you do whatever you are most passionate about–playtime, socializing, games, music, art, reading, sports, etc. As an adult, sometimes you have to settle for less. Given a choice of activities and no peer pressure, children will choose activities that are more rewarding, while adults may consider factors that will not make them as happy (ex: money). I think children intuitively choose great time investments that likely turn into lifelong habits, hobbies, passions, etc. “If you invest time by working hard when you’re young, you put yourself in a position to succeed that will continue compounding for the rest of your life.” Maybe we should have an article to instruct children and adults what investments/activities are good and what don’t pay off as much in the long run? And tell parents not to interfere in activities a child finds value in.

    I wish I can spend as much time doing the things I love as I did younger (cuisine, music, art, reading classics, sports, theology, philosophy, helping people :D).

    We all learn from mistakes and so do children. If something turns out to have a bad consequence, the activity is pruned.

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  69. Gabriel says:

    Time is the most valuable commodity that you can’t get back. You can’t get a stop watch and pause and save it for later. Every time I feel like I’m not using my time productively I get this feeling that that’s a wasted self-investment.

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  72. Lisa says:

    The most important factor in website roi is ensuring your website design is user centred and that users can achieve their goals on your site quickly and effectively. There is no point spending lots of time and money on seo if you don’t ensure that you support this via optimised, effective landing pages. You should always ensure you usability test your sites with real users and reiterate your design based on the results. Companies often spend lots on marketing to get people to their websites, but they fail to convert the user within the site. This is where user centred design really helps roi, as it focusses on the user’s experience of your website and employs design techniques and a knowledge of human behaviour to encourage users to become customers.

    Lisa Duddington

  73. lumatrix says:


    I really appreciate your site – thanks and good karma to you but you have a typo – here – Many people my age fail realize this,

    just meant to help

  74. Adeoluwa says:

    I found this very insightful. A really good read, thanks for putting this up.

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  76. Screw9to5man says:

    Investing your time wisely is one of the greatest lessons one can learn in life. Even if you invest a little time everyday to something you want to achieve,  it all adds up. The amount of time I wasted playing video games, if I’d invested that time in business, I would already be a successful businessman by now. Balance is the key, and I’m only just figuring that out now. 

  77. Screw9to5man says:

    man, I just had another great idea. While I’m working on the laptop blogging, writing ebooks etc, I of course run out of ideas sometimes, or just need a quick two minute break or something. I would find myself browsing useless websites on the net. Well no more! 

    I’m trying to learn Spanish and I’ve just downloaded an application that let’s me practice. I’m going to open up this application and leave it open the whole time. That way, when I need a break from work, I can just start practising Spanish instead of wasting time on the net. 

  78. There is not enough hours in the day!! if only we didnt have to sleep i would get so much more done lol,, some great ideas here!!

  79. Kulithalaikarthik19 says:

    nice i ll try today onward 

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  83. Haran Tina says:

    i like the whole idea!! (y) 
    a person who has wasted even an hour has not realized the value of life yet……
    work but love the work you do, that’s the idea of having beautiful life !!

  84. Anonymous says:

    its never too late to start a business or invest. I wouldn’t call anytime as waste because it still impact your health. If you are constantly stress out and missing all the fun life has to offer, and die young, then what is the point of investment? Time is the most valuable investment, but as human being, you can not predict the outcome of your life. For anyone that is interested in investment and starting their own business, kudoos for you. Keep in mind you still NEED to enjoy life and waste a few of your time once a while. It is the same as having a lot of money but someone is forbidden you to even touch or spend it, can you handle that? My point is if you have a lot of money or time, Please waste it a little to give back to society and do your part of keeping this generation going.

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  86. An Average Middle-class person try to pend less than he earns. He  tries to invests 10% of his income in stocks, mutual funds and retirement’s plans. But he does not care about his time. 
    He thinks time is abundant and he can wait 2-3 hours in line to buy cheaper items. He sells his time to receive income. When he wants to make more money, he works longer hours on his job. 

    Instead a Financially educated person knows that time is his most  important assets. He uses other people’s money and other people’s time to make himself wealthy. For him time is more important asset than money. He continues learning and growing. 

    He knows that money is abundant but he has limited time on this earth.

  87. BAA says:

    Well said. Some times youth is wasted no matter how hard we dont want it to be. I highly agree that  its important to use our time to create a better purpose not only for ourselves but the world. This is a very inspirational article.Thank you.

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  89. mary taylor says:

    It’s ALWAYS a good time to start a business — if you have a good model.
    The economy isn’t as important as what you’re doing and if you can make
    money doing it. There are a ton of stories about companies that started
    in bust times and a ton of those that started in boom times too. Don’t
    focus on the macro picture. If your business plan and model are solid,
    you’ll do great.

  90. Shareef says:

    Awesome dude… Am very much inspired & motivated with your words… Bravo….Bravo…

  91. Henri Henna says:

    Because of this article i realize that time is much valuable than money.As business man money is only my goal..Thanks

  92. Kanchan says:

    Wow! I really liked it. Although I’m on the other side being conscious & aware of time that passes by; responsibilities abundant DO take more of the time that I wish to invest in my business. #2 is one which I still need to explore about my choices but thanks it gives me a lot of ideas on how I can turn those 86400 seconds into 86400 moments of learning!

  93. sunil says:

    Very useful article, I applied this idea 1 year back and I’m earning a money and day by day it is increasing, in few years i ll be financially free, if any one want to do same sort of business without investment, feel free to contact me  hplinus@gmail.com

  94. Mary says:

    I love the idea of the multiple positives. We can only do so much. If we can find something to invest in that serves multiple purposes – it’s genius!

  95. Ocean_paradox says:

    Can I have this article in English please? Its like watching an episode of the apprentice.

  96. Amadi45 says:

    Wow man. From today forward I am totally applying this to every aspect of my life. I’m 21 years old now and ten years from now I want to see a massive positive ROI in my life financially. I never saw life the way this person wrote the article, but now that I do, i can’t believe how wasteful I am with time. It’s almost scary, because we’re not getting any younger.

  97. Sahar Arabi says:

    Well said.

  98. johnyiyi says:

    My Name is Erick Wilson..I never believed in Love Spells or Magics until I met this special spell caster when i went to Africa to Execute some business..He is really powerful..My wife divorce me with no reason for almost 4 years and i tried all i could to have her back cos i really love her so much but all my effort did not work out.. we met at our early age at the college and we both have feelings for each other and we got married happily for 5 years with no kid and she woke up one morning and she told me she’s going on a divorce..i thought it was a joke and when she came back from work she tender to me a divorce letter and she packed all her loads from my house..i ran mad and i tried all i could to have her back but all did not work out..i was lonely for almost 4 years…So when i told the spell caster what happened he said he will help me and he asked for her full name and her picture..i gave him that..At first i was skeptical but i gave it a try cos h ave tried so many spell casters and there is no solution…so when he finished with the readings,he got back to me that she’s with a man and that man is the reason why she left me…The spell caster said he will help me with a spell that will surely bring her back.but i never believe all this…he told me i will see a positive result within 3 days..3 days later,she called me herself and came to me apologizing and she told me she will come back to me..I cant believe this,it was like a dream cos i never believe this will work out after trying many spell casters and there is no solution..The spell caster is so powerful and after that he helped me with a pregnancy spell and my wife got pregnant a month later..we are now happy been together again and with lovely kid..This spell caster has really changed my life and i will forever thankful to him..he has helped many friends too with similar problem too and they are happy and thankful to him..This man is indeed the most powerful spell caster have ever experienced in life..Am Posting this to the Forum in case there is anyone who has similar problem and still looking for a way out..you can reach him here: johnyiyi@rocketmail.com…… CONTACT THIS POWERFUL SPELL CASTER TODAY VIA EMAIL:johnyiyi@rocketmail.com

  99. johnyiyi says:

    My Name is Mrs. peter blassing, I was married to my husband for 10 years and we were both bless with three children, living together as one love, until 2011 when things was no longer the way the was [when he lost his job]. But when he later gets a new job 6 months after, he stated sleeping outside our matrimonial home. Only for me to find out that he was having an affair with the lady that gave he the job. since that day, when i called him, he don’t longer pick up my calls and he nothing since to come out good. Yet my husbands just still keep on seeing the lady. Until I met a very good friend of my who was also having a similar problem, who introduced me to a very good love spell caster. But i told her that if it has to do with things that i am not interested, but she said that it has nothing to do with pay first. but the only thing he was ask to do was just to go and buy the items to cast the spell, and that was what she did. And she gave me the spell caster e-mail address and phone number. When i contacted him, i was so surprise when he said that if i have the faith that i will get my husband back in the nest three [3] day, and off which it was really so. but i was so shock that i did not pay any thing to Dr John Yi Yi but my husband was on his knells begging me and the children for forgiveness. This testimony is just the price i have to pay. This man Prophet  Dr John Yi Yi is good and he is the author of my happiness. His e-mail address: johnyiyi@rocketmail.com

  100. johnyiyi says:

    Hello To The World At Large,

        I am Miss Wacks.,From united states of America.I will start by saying to all that have experience heart break and also cant do with out there lover should please stop here and read up my story, So as you will know how to go solving or getting your ex back from this spell caster..AND AGAIN I WILL WANT TO ALSO TELL ALL THAT THIS SPELL CASTER I WILL WANT TO TELL THE WHOLE WORLD ABOUT IS HARMLESS AND DO NOT HAVE ANY SIDE EFFECT, BUT TO RESTORE AND GIVE YOU BACK WHAT YOU DESERVE, COS WHEN I MEET WITH THIS SPELL CASTER THAT WAS INTRODUCED TO ME BY THE WIFE OF MY BOSS IN MY WORKING PLACE, HE MADE IT CLEAR THAT HE CAN CAST SPELL ON SO MANY OTHER PROBLEMS EXCEPT IN GETTING YOUR EX OR MAKING YOUR LOVER TO LOVE YOU MORE THAT WILL SUITE YOU. Last year December, My lover was cheating on me and was not also give me the attention that a man should give to a woman,And really that was troubling my mind and tearing my heart apart to the extent that i was not concentrating in the office the way i use to before the break up by my lover.And before that incident,I always see how my boss use to love his wife so much. I was binging to think that i was not doing the right thing to him that will make him love me forever,So i really gathered my courage and went to my boss wife office to ask her the secret that made her husband love her so dearly,In the first place she refused in telling me,She asked me why i am asking her such a question,That if is it not normal for every man to love his wife.I told her the reason that made me ask her about this question,That my lover started cheating on me lately,When i knelt down before her for her to see my seriousness in this issue that i went to ask her,She opened up to me by telling me that i should not tell anybody about what she want to tell me,The wife to my boss started to say to me that she used a very powerful spell on his husband to love her,And the spell that she used is harmless, But the spell is just to make him love her and never to look for any other woman except her. I QUICKLY ASK HER HOW DID SHE GET TO KNOW THIS GREAT,POWER,DURABLE AND PERFECT WORK SPELL CASTER,she said that a friend of hers also introduce her to him. Then i also ask her how i can meet with this spell caster.SHE SAID EVERYTHING TO ME,THAT THE NAME OF THIS SPELL CASTER IS JOHN YIYI ORACLE TEMPLE.My next question to her was how can i get this wonderful spell caster,She said she is going to give me the email of the spell caster for me to contact him for my problem,Really she gave to me this spell caster email and i contacted him and explained all to him,And after every thing that needed to be done by the spell caster, In the next two days, My lover that hated me so much came to house begging for forgiveness and i was so glad that i have finally gotten my heart desire..I was so grateful to this spell caster for what he has done for my life.. So i made a promise to him that i will always continue telling the world about his wonderful work towards me and also to other that came to you before and also the people that will also get to you from my story that i narrated online now..I will want to say to the entire world that you should not cry over noting again, That there is a great man that has been helping individuals to restore there Joy and smile in there faces !! The direct email to get this man is : johnyiyi@rocketmail.com ,This is what i want to tell you all out there,That is thinking that all hope is lost ok..Thanks


    Miss Wacks.

  101. Pingback: Do More - The Case for Multiple Positives - Elusive Life

  102. April says:

    Any specific tips for those newly graduates you mention? I´m 24, and just begining to build habits. What are the things I need to know/do that´ll help me make compound interest?

  103. Pingback: Increase Personal Productivity with the Top 11 Multiple Positives

  104. Bharti says:

    I completely agree with point one. We should invest time in multiplying our positives and not negatives.
    However, regarding point 2, sometimes people fall into a trap of bad habits. They want to break it consciously but can’t. So for them even tho they try hard to not multiple their negatives, they can’t. So point 2 seems a little subjective because of circumstances or habits.

  105. Sam says:

    Thank you, thank you, thank you. This article is big for me. I just happened upon it while looking for some interesting reads, and it struck home for me big time. And I never comment on anything I read haha. Big time kudos, I will be reading a lot more from this website!!!

  106. charlesjdion says:

    Josiah . although Jacqueline `s stori is surprising,
    last week I bought themselves a Chrysler from having made $5060 thiss month
    and-in excess of, 10/k last-month . it’s realy the easiest-work I have ever done
    . I started this 4 months ago and pretty much straight away was bringin in at
    least $78 per-hour . why not look here C­a­s­h­f­i­g­.­C­O­M­

  107. Michael Theophilus says:

    thanksman, we need both fun and investment

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  109. Harshavrdhana Bhat says:

    thank u very much this helped me a lot

  110. Quoc Huynh says:

    Never thought time to have compound interest, very true though.

    Time is so valuable especially when you truly understand that concept. You start to figure out what is worth your time and what isn’t. With this notion, you become more focused and productive.

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  112. Ester Dossett1 says:

    Good piece , Speaking of which , you need a Purchase and Sale Agreement , my business partner discovered a template version here http://goo.gl/sifmuX

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