Even as a member in this forum I often say to my friends that time is money but they don't understand why I keep saying it. Education, knowledge, health and time are the things we need to equip ourselves to handle most life challenges and to ensure a life well-lived. Having all this isn't just about the money its also about having a solid foundation that will serve us well when life throws shit at us. Knowledge is power, time is money, health is wealth and education is key.
Why include forum? Is it because you are flexible being involved in here? But even if without it, that quote is still applicable for all. Your friends are too slow if they don't get it. It is only pretty simple in fact and that only means that we must value our time properly as it is important like a money.
When we have time, we can do so much things including those important ones but this should be our priority over the others, as we can benefit more out of them. When life throws us shit, nothing is invulnerable including those who are already successful and have those quality traits you listed there but they only have an advantage and that is, they can bounce back easily.