Time as a gift VS as money

I feel that saying that time is a "gift" implies that you should not take time for granted.  For all I know, I could steep out tomorrow morning and get struck by an oncoming bus.  Because of this, I would want to spend my time to the fullest and enjoy this "gift".  However, the saying "time is money" causes me to think entirely different.  As opposed to the message to note take your time for granted, it makes me think that you need to spend your time trying to better your self or get ahead of the competition.  Look at it this way, if one person feels that time is a gift, they will enjoy all the time that they have, and live life to the fullest.  However, a person who thinks "time is money" will frown upon this behavior and rather spend his time working to better himself.  

I tend to fall somewhere in the middle of these two ideologies and take them both into account when planing my time.  I feel that this can also be applied to certain cultures, and even subdivisions within a culture.  For example, the generational gap within the American society.  The Baby boom generation felt that "time is money" while generation x or even my generation seem to lean more towards treating it as a gift.