George Gissing, The Private Papers of Henry Ryecroft, Winter XXIV

Time is money--says the vulgarest saw known to any age or people. Turn it around, and you get a precious truth--money is time. I think of it in these dark, mist-blinded mornings, as I come down to find a glorious fire crackling and leaping in my study. Suppose I were so poor I could not afford that heartsome blaze how different the whole day would be! Have I not lost many and many a day of my life for lack of the material comfort which was necessary to put my mind in tune? Money is time.