I guess we can all have a different idea on what time=money thing means to each of individually. We are are different ages, different experiences, different stages of life. For me the experience of my wife going through her illness and her ultimate death because of it almost 8 years ago now (damn time flies) made me realize that time is the most valuable commodity; you only have so much, and can't buy or earn any more of it. Money is an unfortunate necessity for most of us. For me this translates into making sure I enjoy what I am doing, yes I am qualified and have worked jobs that pay a lot more than what I am doing now, but honestly I didn't really enjoy them, and the money didn't make me any happier, just had more crap. I now really enjoy what I do, have cut back on what I "need", and spend the extra time my job allows me to have to do the things I enjoy doing, spending time with family and friends, relaxing doing nothing but enjoying a good beer and the sun on the mountains, and for me my favorite hobby.. making things, some of them cost a lot of money, some of them are virtually free. As long as you are happy the other crap will take care of itself.