Yes, it's you working on just you and your interests/needs, not having to "share" with anyone else. Turn your thinking; if someone gave you a whole lot of money you wouldn't be thinking of your "need" for money and next year's mortgage or rent payment or what will happen when you have spent it all, you'd be thinking of how to invest and spend it so it lasts. Think of you T as a resource like that instead of a "need".