One of the skills that financial advisers bring to the table is an investment allocation plan.
A plan that works specifically for your situation, and allocates different percentages of your investments into different risk categories.
The idea being to get the right balance of growth and risk in your portfolio depending upon a bunch of factors. Most successful and wealthy people in our society pay attention to this.
"The main reason people struggle financially is because they have spent years in school but learned nothing about money. The result is that people learn to work for money... but never learn to have money work for them."
What if we took the same approach to our time?
We all have twenty-four hours, but very few of us maximise our "return" on those hours.
When I talk about "return", it is a very personal thing ... it might mean more investment in your career, it might mean more investment in your hobby, it could even mean a conscious increase in "down time".
"Insanity: doing the same thing over and over again and expecting different results."
We all know that in order for our situation to change, then we need to change something.
In the same way we look at our risk/reward profile in our financial portfolio we need to look at our risk/reward profile in our time management.
If I want to achieve something (professional OR personal) then what am I prepared to invest in order to get there!
Financial planning should be a very personal "thing" ... there is no right and wrong answer, it just needs to be the right thing for you.
Time planning is the same thing ... we need to be conscious in our decisions about how to use time, rather than just letting it happen!
"Man must cease attributing his problems to his environment, and learn again to exercise his will -- his personal responsibility."