Throughout this book, you'll weigh the trade-offs between time and money, often finding that many decisions are not optimal. It's easy to make poor time choices and underestimate the long-term costs of prioritizing money.

Decisions won't always be easy and straightforward. My research indicates there's no single right way to make time and money decisions. Everyone desires different things in life, and these desires change over time. Therefore, the optimal choice varies. Society can prevent some people, like Usha, from making better choices, highlighting a need for policymakers to better recognize the value of time.