There's an old book called The Richest Man In Babylon that has to do with personal finance. One of the key points is to pay yourself first. You have your rent, utility bills, maybe credit-card debt, etc., and even tonight you want to order in, even though it's expensive, because you're way too tired to cook. That's all fine, as long as you first set aside 10% of your paycheck for savings. Although that leaves only 90% left for all the other needs clawing at you, somehow you make it all work.

All too often people tend to their financial needs first, and find there's nothing left for themselves. No surprise most people die broke. Isn't it strange how their lifetime income just happened to almost exactly equal their lifetime expenses? Hmmm....

You might see where I'm going. Why are you giving the best of your time (rather than money) to everyone else, leaving nothing for yourself at the end of the day? Maybe start with just five minutes at the start of the day to pay yourself intellectually. If that works out, make it a habit!