Amazon.com description: Product Description: In "The Flow of Time and Money", Dr. Lloyd Watts uses easy-to-understand diagrams to show how time and money flow, and how to make them work for you. You will discover: - How to create Life Assets and Material Assets that increase your productivity and produce Passive Income - How to avoid the "Borrow and Spend" and "Save and Spend" financial traps - The stages leading to financial independence, and what actions to take, depending on where you are on the path - How to stay focused on long-term goals, even in the presence of daily distractions - How to achieve the freedom and wealth you need to make your highest contribution to the world.