You are a customer of a bank called TIME. Every day you are gifted 86,400. Whatever remainder you have failed to invest to good purpose, is written off as a loss, every night. It carries over no balance. It allows no overdraft.

You must live in the present on today's deposits only. There is no going back. Ever!

From this day forward, focus on writing your own life story, your way. Remember that every moment counts. Every second matters. Honestly, whatever is given is a gift.

Don't be so satisfied with the success stories of others and how things have gone for them that you forget to write your own. Unfold your own tale and bring it to life. You have everything you need to become what you are capable of becoming.

Incredible change happens when you decide to take control. This means consuming less and creating more. It means refusing to let others do your thinking, talking, and deciding for you. It means learning to respect and use your own ideas and instincts to write your passage.

Identify what's most important to you. Prune nonessential commitments. Eliminate as much as you possibly can of everything else. No wasted time, no fluff, no regrets.

Remember that thinking and doing are two very different things. Success never comes to look for you while you wait around thinking about it. You are what you do, not what you say you'll do. Knowledge is basically useless without action. Good things don't come to those who wait; they come to those who work on meaningful goals. Ask yourself what's really important and then have the courage to build your life around your answer.

If you want your life story to soar to new heights, you've got to clear a path, reduce the burdens weighing you down and pick up the things that give you wings. Keep your best wishes and your biggest goals close to your heart and dedicate time to them every day. If you truly care about what you do and you work diligently at it, there's almost nothing you can't accomplish.

Also, remember, if you wait until you feel 100 percent ready to begin, you'll likely be waiting the rest of your life. Your ability to grow to your highest potential is directly related to your willingness to act in the face of imperfection. You will come to succeed not by finding a perfect moment, but by learning to see and use life's imperfections perfectly.

So challenge yourself to be who you know you are capable of being. Challenge yourself to follow through...to live what you preach, to walk your talk. Don't worry about how slowly you feel you're heading towards your goals, or how many roadblocks you find, or how many detours you're forced to take. As long as you keep doing your thing, you're still cruising far ahead of everyone who's too scared to even try.

From this moment forward, invest your time to get the best returns in your health, happiness, and success. You're making withdrawals from your time account right this second, as you are reading my article.

The only question is: Are you investing them wisely?