Life is precious. Particularly, to someone who is 78 and playing the “back nine.”
This leads me to my first snippet of wisdom: Time is infinite. It cannot be banked but can be lost instantly. Look at it as a commodity that you purchase through the Apple app store. Let’s say it is packaged in 60-minute units. How much would you pay for 24 units? In today’s reality, you can choose to auto-refill or purchase occasionally. Spend it wisely!