However, one of the poor people was industrious, and he scrimped and saved every penny he received, and spent as little as possible. Every time he saved a few pennies, he changed it into a nickel, his nickels into dimes and so on until he had dollar bills in his pocket. The other poor person was not as disciplined as his friend and he was constantly spending the money he collected. He was never able to gather enough pennies to change into nickels or dimes since he was constantly spending his money. A Tzaddik makes every day count.
Every day is full of meaningful activities.
Each day is connected to the other in continuation of their service to G-d. That service ties days together making them a week. The goals accomplished over four weeks turn into an month of meaningful effort. The accomplishments of twelve months translate into a year, and so on. However, an irresponsible person does not have that continuity.