You can't spend it when you're dead

The saying "time is money", to me, means "I care so much about money that every second you waste of my time means another penny lost". We live in a time where money is never tucked too far back in our brains, especially college kids with bills, rent, tuition, or groceries; when is our life not somehow revolving around money? I can personally say that if I were to constantly spend every moment away from school working, I would surely look back on my college years with regret. After all, these are the years we're supposed to be broke, right? I like to spend my extra time living; Of course I work also, but not as much as I could. I'd rather head to the nearest park with a good book, or pack up my stuff for the weekend and roam around in the woods. To me "Time is living", if we're lucky enough to be alive, we should spend that time doing things we love, things that won't have us laying in our death beds with regret. Money is just money, sure it will get you a few things while you're alive, but you can't buy adventure, or love, and you certainly can't buy life.

time is ticking...

1) To say that "time is a gift" is to say that we aren't promised every moment that we get, and when we get another, we need to appreciate it. I think it also means that we should take advantage of every moment we get, because of the fact that it's not guaranteed.
"Time is money" is actually really different from "time is a gift". In my opinion, "time is money" translates to "you're wasting my time". "Time is a gift" is more like saying, "appreciate your time". I suppose they could be seen as similar, but one is more negative.
I think if one gets too caught up in the "time is money" aspect, one is not appreciating the time that they get with individuals, or the time that they get to live their life.