Often it seems like life itself is a race—a rat race that sucks away time while I grasp at minutes in desperation. I’m an endurance athlete; I train for hours to shave seconds off my race time. I’m a busy American. Another paycheck will come, but each moment, once past, is gone forever. Time is my best friend and my fiercest enemy; it is my greatest challenge. At least it was until my husband re-worded his financial motto from “It ain’t our money,” to “It ain’t our time.”

In sports, you hear a lot about two very different kinds of athlete. One is labeled an “underachiever”—an athlete who has a ton of talent but gets by putting out the minimal effort. The other is referred to as an “overachiever”— someone who makes up for a lack of physical giftedness and athletic prowess with an abundance of hard work, determination, and drive.