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  • Stephen Cromie


Updated: May 11, 2021


William Penn wrote, “Time is what we want most, but what we use worst”

Whether its your personal life or in business, the REAL currency is your time. Ultimately, in business, we sell our time in exchange for money.

Hi, my name Stephen, and I am a father, entrepreneur, real estate professional, expert negotiator, business and property coach with an expansive industry knowledge spanning over 27 years in real estate, property development & construction, has resulted in over $1b in property transactions.

Today I am going to discuss what is the only true currency we have.


Did you know that an average person spends about 13 hours per week just on emails?

By the end of the year, this amounts to about 650 hours we spend just on managing our inbox.

Here's exactly how much time on average we spend on everyday activities, from watching TV to answering emails.

A person with an average lifespan spends years on everyday, repetitive activities:

  • Sleep - 26 years

  • Trying to fall asleep - 7 years

  • Time at work - 13 years

  • Unpaid overtime - 1 year

  • Watching TV - 8 years and 4 months

  • Social Media - 3 years

  • Eating - 4 years 6 months

  • Holidays - 3 years and 1 month

  • Exercising - 1 year and 4 months

  • Socializing - 1 year and 3 days

This study tells us that we spend most of our time sleeping, and that the time we spend at work comes second. The worrying statistics is that we spend about 8 years and 4 months watching TV, despite this habits being detrimental for our brains.

In essence, average results show that we spend too much time on activities labeled as "time wasters" and "distractions", instead of allocating some of this time to exercising and socializing, which are actually beneficial for the brain.


The truth is, that most successful entrepreneurs will agree that although hours are important and depends on what stage in business life you are at, you quickly learn that it is not about how many hours you spend, but rather the focus you have.

Each hour needs to be intentional and not wasted. You see, the real exchange is not money, it's time. What do I mean by that? Well, let me give you an example:

  • Let’s say that when you are born, you are given 36,500 for a lifetime of 100 years

  • So, each year you 365 credits which represents 1 credit per day.

  • Each day you spend 1 credit minimum which is non refundable

  • Some days you may spend more credits, but you can never spend less than 1 credit

  • Divide that 1 credit into 24 hours

  • Now each day, who and what are you giving your valuable credit away too.

  • Next time you go to spend you precious credit, choose wisely


The writer, philosopher, scientist, politician and one of the founding fathers of the United States of America, Benjamin Franklin, is known for the quote, “If you fail to plan, you are planning to fail”.

If you want to succeed in business, start by:

  • Setting boundaries – people and business, make it not negotiable, stop giving your time away to things that are not serving your dream

  • Plan your week and days down to the 30-minute intervals and stick to it until it becomes habit.

  • Put yourself first, this doesn’t mean being selfish.

  • Think of it like first aid, before you can help someone else, you have to make sure you are safe.

  • If it's not scheduled, it won't happen.

  • Set your business or personal plan and review at the beginning and end of every week Start with where you want to be in..

    • 12 months,

    • then work down 9 months,

    • 6 months,

    • 3 months,

    • Monthly,

    • Weekly,

    • Daily,

    • Every 30min intervals

Do this repeatedly for 3 months until it becomes a habit.

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