Alright this is a good question,when you say "TIME IS MONEY" im always think about people who wasting their time,and other people who dont have a time to waste
Time is not only about money,but time is your life,your daily life,dont just spend your time for work,for your job,or for make some money,but spend your time for your family,for your children,for your wife,or for your parents,When you ask me how to manage your money and time ?,its a different question,but i have one answer for the both question,"Follow your heart,and your mind" before you spend your money,listen to your heart,and when you spend your time,listen to your mind,what ever is that,thats all i got,hope you understand with what i say,thanks for your attention