请根据下面的提纲写一篇说理文。

提纲：
(1) 时间比金钱更宝贵。
(2) 要珍惜时间，因为时间一去不复返。
(3) 要充分利用时间。
(4) 浪费时间就是浪费生命。
(5) 养成珍惜时间的良好习惯。
要求：
(1) 题目：Time Is More Valuable Than Money
(2) 字数：120—140。

参考范文

Time Is More Valuable Than Money

    People often say, “Time is money,” But in fact time is more valuable than money. Why? Because when money is spent, we can earn it back. However, when time is lost, it will never return. This is the reason why we must value time.

    The time we have is limited. Every second is precious. We should make full use of our time. But there are a lot of people who do not know the importance of time. They kill away their time chatting, smoking, drinking or gambling, They do not realize that wasting time is simply wasting their valuable life.

    In a word, we should get into the good habit of saving time. Do not leave what can be done today until tomorrow. Laziness will not only bring us failure but also lead us to the road of poverty.