I'm always skeptical when someone tells me about themselves. It isn't that I think they're lying. It's that one's self-appraisal is more often than not a representation of how they want to see themselves as opposed to an honest assessment.
Just like any currency, the value of our Time can only be realized once we know what we can buy with it. Rephrased within the scope of this series, Time's value can only be understood once we know what other resources we can leverage it for.
Resources have been dealt to each and every one of us unequally. Whether it be in type/degree of intelligence, economic resources, social resources, familial resources, we all drew a different lot. But the beauty of the situation is that we can all manipulate what we have to get what we don't have depending on our goals.