Aren't there about 2 area of responsibilities a person needs to get a handle on so be able to say "I've arrived" wherever that may be? Or would this be two areas that folks have to struggle with in some form or another their whole life? Once you've got one down, it's time to work on the other, or is it the other way around?
1) Money management
Work, give, save, pay bills, play... ok, good. Got that one down :)
2) Time management
Ouch. This one I'm dealing with NOW.
Sleep, eat,
I can say "no." I really can. I have before. In fact, I've had so much to do in one season, I quit everything. No guilt.
I need to get where I can budget time like I budget money. Except I don't do that by myself. It took a long time to get where we were doing our money together. I suppose I can expect it will take a long to get where we can budget our time together.