So far, I have met many frustrated people. Frustrated because people do not appreciate them, or their work is anonymous. But their life still have a goal. And although they stumbled and made many mistakes, they get up and keep going, which is a very important thing. Perhaps one of the most important thing is to have a goal and follow it on.
We never get the time back. Somebody could make more money next year, becoming a billionaire and having no financial issues for the rest of the life, but time will never come back. Time is money is because the time has gone, we do not get it back, so it must be paid somehow, not because of the service itself.
The worst thing is to have no goal. Imagine you wake up in the morning and do nothing. You enjoy the first moments. Next minute is probably as good, but what do you do after that? How are you going to spend the day? Could you live your life like that?