Dear Aida,

There is a truth most people never learn because they spend their whole lives rushing past it:

Time is the most valuable financial asset you will ever have.

Not money.
Not investments.
Not intelligence.
Not opportunity.

Time.

Time shapes every financial outcome.
Time amplifies every good decision.
Time forgives many small mistakes.
Time turns modest habits into extraordinary results.

Money grows because of time.
Compounding works because of time.
Freedom happens because you gave your decisions enough time to mature.

Time is the soil in which every form of wealth takes root.

And yet,
it is the asset people squander most casually.