3. Your time look how you use your time.
Time is very essential, time is money. Time wasted can never be regained, this is why we are always encouraged to make good use of the time we have each moment because it never returns. The biggest thief of time are distractions in form of parties, friends, entertainment that has no educational benefits, that is why if you are able to really do away with distractions, the chances of becoming financially successful raises significantly.
You're right, you know there is this saying that the shortest time in a mans life is due to make it honourable. But most people still find it very difficult to understand this saying, you know sometimes when I see people wasting thier time in something that can't even add a value to their life I always smile, because had it mean they know the usefulness of those time they are wasting. I'm pretty sure that They won't even think of wasting any, rather they will always want to convert it into something that can be of good value to them.