next to a clock is a pile of coins, izing the phrase "time is money."

hand watch clock brand gauge jewellery finger strap font wheel circle money arm black silver electronics next pile coins symbolizing phrase time close billable hours bond market bonuses budget business capitalism checking account clock coins commission consumerism crypto currency earnings efficiency entrepreneurship entrepreneurship mindset expense financial management planning fleeting frugality hourly rate income investment luxury materialism minutes money opportunity cost overtime passing precious productivity profit retirement return revenue salary saving savings seconds speculation spending time value wages wealth