How to Read “時は金なり”
Toki wa kane nari
Meaning of “時は金なり”
“Time is money” is a proverb that expresses how time is as precious and valuable as money.
It conveys the teaching that time is a finite resource that, once passed, never returns, and like money, it is something precious that should not be wasted. This proverb is used when emphasizing the importance of making effective use of time, or when cautioning against situations where one tends to spend time idly.
In modern times, this proverb is often understood as promoting efficiency and productivity improvement. It is frequently quoted when teaching the importance of achieving more results within limited time in work or study. It is also cherished as words that remind us that life itself is lived within limited time, teaching us the significance of treasuring each day.
Origin and Etymology
“Time is money” is actually not an ancient Japanese proverb. This is a Japanese translation of the words “Time is money” by Benjamin Franklin, an American politician and inventor.
Franklin used these words in 1748, in his advisory book “Advice to a Young Tradesman” directed at young merchants. America at that time was an era of rapid commercial development, and the importance of efficient business was being emphasized. Franklin himself was a businessman who achieved success in the printing industry and must have known the value of time firsthand.
These words came to Japan during the Meiji period. In Japan at that time, which was actively adopting modern Western ways of thinking, this rational concept of time must have seemed fresh. Particularly as the wave of the Industrial Revolution reached Japan, these words expressing the importance of making effective use of time were accepted by many people.
What’s interesting is that words originally born in a commercial context became established in Japan as a proverb expressing the importance of time in life in general. This can be said to be the result of a fusion of Japanese values and Western pragmatism.
Interesting Facts
Besides “Time is money,” Benjamin Franklin left many other maxims related to time management, such as “Early to bed and early to rise, makes a man healthy, wealthy and wise.” He himself was known for managing his daily schedule in detail and establishing 13 virtues to strive for self-improvement.
In Japan, until the Edo period, a time unit called “ittoki” was used, which corresponded to about 2 hours in current time. When Western time concepts were introduced in the Meiji period, awareness of more detailed time management increased, and it is thought that ways of thinking that emphasized the value of time, like “Time is money,” became easier to accept.
Usage Examples
- With the deadline approaching, this is no time for idle chatter when time is money
- Since you’re a student preparing for exams, time is money, so you should concentrate on studying, cherishing every minute and second
Modern Interpretation
In modern society, “Time is money” has acquired new meaning in the digital age. In the information society, the freshness of information determines value, so catching information quickly and acting swiftly has become more important. The value of time could be said to have actually increased, with real-time nature on social media and efficiency in online meetings.
On the other hand, in modern times, there is also a tendency to overemphasize “time-saving” and “efficiency.” Speeding up everything is considered good, and the value of time for careful thinking or seemingly wasteful time tends to be undervalued. However, the fact that creativity and relationship building require a certain amount of “wasteful time” is being reconsidered.
Also, from the perspective of work style reform and work-life balance, values regarding how to use time have diversified. Rather than simply interpreting “Time is money” as meaning productivity improvement, more people are interpreting it from the perspective of how to spend one’s limited life time in a way that is true to oneself and fulfilling.
With technological advancement, saving time has become easier than before, but how to use the time created by this has become a new challenge. The true meaning of “Time is money” might be to live a richer life by making effective use of time.
When AI Hears This
Modern people mistakenly believe “time is money” means “don’t waste time” – a lesson in efficiency. But this is a fundamental misunderstanding. Originally, this phrase emerged from the concept of treating time as an “investment target.”
In the financial world, “consuming” money and “investing” money are completely different concepts. Consumption reduces value, while investment allocates resources with the expectation of greater future returns. Yet modern time management treats time as a “consumer good.” Ideas like “time-saving techniques,” “efficiency,” and “eliminating wasted time” all approach time as something to be “used up” or “saved.”
True “time is money” thinking, however, means deliberately “investing” time. For example, spending three hours reading isn’t “consuming” time – it’s “investing” in knowledge, an asset that generates compound returns. Investing time in relationships builds trust, creating long-term value.
This shift in perspective makes “what to invest time in” more important than “finishing quickly” – a strategic way of thinking. The time shortage modern people feel stems from lacking a time “investment portfolio” and simply consuming time continuously.
Lessons for Today
What “Time is money” teaches modern people is that how we use time determines the quality of our lives. However, this doesn’t simply mean we should spend our time busily.
What’s important is using time for things that are truly valuable to us. An hour spent browsing social media versus an hour spent with family and friends or learning new skills has vastly different impacts on our lives, even though it’s the same hour. It’s important to view time from an “investment” perspective and strive to use it in ways that will be positive for our future selves and the people around us.
Also, in modern society, we must not forget the spirit of “more haste, less speed.” If we neglect fundamentals or undervalue human relationships in our pursuit of efficiency, we’re putting the cart before the horse. Sometimes taking time to stop and think, or time to slowly engage with people, are very valuable time investments when viewed long-term.
Your today is a precious day that will never return. If you spend that time in a way that’s true to yourself and enriching together with the people around you, you’ll surely be able to walk a fulfilling life.


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