If seconds were gifted to you as money,  I wonder how much change you'd keep -   by the end of each indulgent day's splurge -  as you lay yourself down to sleep?    this gift will not save, these funds  must daily be spent,  the wise man (in this realm of wealth)   holds not back investing a single cent.    so, as dawn breaks and you wake afresh,  be sure your path of choice is clear,  the returns you seek can be cashed in  only whilst you are here.        

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