Honey (Can I call you honey?) , Even when I love overused phrases (I'm currently writing a book on the subject, for that matter), the one you used there 'Time is money' is one of my more disliked ones.
You see, Time is not money, for you can not get time back out of money (yet?) , so even when the phrase appears to be better than it really is, I would as in elementary, change the factor order: "Money is time".
And for your second part of the statement, I had to do 156 hours of community service for punching my mother in law (check my post history to understand more about that), and let me tell y'all, I got no penny for that.