Time is money is a universal truth. Who understand it will get everything whichever wants from life. Because time will never come back once is passed away. You work hard for your dream life but if you don't catch the opportunity on time than you have to wait for right time again. If you don't get your hard work worth then time will surely give you surprise gift but you have to be patience with that. Your hard work will surely pays off by time. Be on time be with time and don't delay to work hard for your dream because later on you will just regret what you supposed to but you didn't. SO JUST VALUE YOUR TIME AND UTILIZE IT WISELY.