I used to have way too much time, but no money. Note that both time and money aren't worth much until you do something with them. Time is money, in a way.
Effort is also money.
Money is money too, of course. Simultaneously try to sequence music. Browse web and practice guitar simultaneously. Get out of bed. XX xm - Coding, possible attempt at webpage updating Gee, if the point of everything is to be happy, we're not doing very well.