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I think that you mean that for someone who (thinks that he/she) has lots of time, then the word is "use", while for someone who has little free time (especially one who thinks that "time is money"), the word is "invest" !INDEED. 🤔🤓😏 !WEIRD !HOPE !WINEX

Haha that is !INDEED a good way of ppointing it out !BBH !wine

For someone who thinks of every minute as "money-making time", every time used might be an "investment" for him/her !INDEED. 🤔🤯🤓 !LOLZ

Not only when every minute is "money-making time", but also when every minute should be spent well. because you're leaving other things for it.
!INDEED !WEIRD !wine

!HOPE that people who adhere heavily to the principle "time is money" aren't stressed of many opportunity costs !INDEED! 🤗🤯😅 !WEIRD !WINEX