If you had a bank that credited your account each morning with $86,400, and your bank carried over no balance from day to day, but allowed you to keep whatever cash you could spend, and each evening canceled out whatever amount you had failed to use during the day, what would you do? Naturally, you would draw out every last dollar. Of course! Actually, you do have such a bank and its name is "time." Every morning it credits your account with 86,400 seconds. Every night it rules as lost whatever of this you have failed to invest.