Franklin presents time as something with measurable economic value. In the context of work and trade, an hour spent productively may generate income, while an hour unnecessarily lost may represent earnings that cannot be recovered. The phrase therefore treats time not merely as something that passes, but as a limited resource that can be converted into economic activity.

The saying does not mean that every moment should be used to earn money or that leisure has no value. Franklin’s immediate concern is with working time and the financial consequences of idleness. His broader point is that people should recognise the opportunity cost of how they use their time: choosing not to work when productive work is available may involve giving up potential income. The maxim therefore links careful time management with practical economic judgement.