(See if you can solve it before the end)
You can spend me how you like; I really don’t care.
But spend me you will, as you do everywhere;
In the market, at home, in church, or in school;
There’re two types who consume me: the wise and the fool;
All that you need, you have right this minute;
But after the fact, most regret how they spent it;
The goal is to use me without feeling guilt;
To leaving the legacy – long last – you have built;
If you’ve not solved it yet, it isn’t a crime;
The commodity I’m wasting right now is your time!