Trading time for money

5 lessons to maximize your time to live the most of your life vs just "working"

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I traded my time for money for 33 years, from 18 to 51.

I’m now 55 and often feel "short of time" before old age closes in.

Here are five lessons on how to make the best use of your time so that you live the most of the life you want, rather than just "working."

I was in school or working 60 hours a week from age 18 to 51. During those 33 years, I had limited personal time.

And, like most people, focused on my career and money.

For me, this "worked out," in that I had the money to retire just before my 51st birthday. This leads to the first two lessons:

Lesson 1: Live below your means. Many of my peers are still working because they inflated their spending as their incomes increased.

For more on financial management, read these 10 steps.