Hello guys. I am am writing to introduce the topic to my next article. But in a different way. Let's say in a riddle form. Here are the clues to knowing the topic.

1. I am the most valuable thing a man can spend.
2. I am the wisest counsellor of all.
3. The key to life is not spending me but rather investing in me. 4 I can never be found when lost.
4. I wait for no one.

WHAT AM I?

I will post it when I am done typing it. Then you'll know whether your answer is what I have or not. Thanks for your Time. Be motivated - @ClDvor