The only constant in life is change. It is very important to realize that nothing stays the same forever. Not our health, not our relationships, not our skills, and so on. Everything either improves or declines. This is where it is even more important to realize the value of time. A wise person invests time in carefully chosen activities that accumulate over the years with a huge positive gross return. On the other hand, bad habits produce results that accumulate in a similar manner but in the opposite direction. Realize the value of time and adopt useful habits each day.