The clock keeps perfect records without ever keeping receipts.

Time keeps an accurate record without ever presenting you with a statement. Nothing tells you what the last five years cost or what you got for them, which is precisely why it is possible to spend a long stretch of your life without ever noticing the accounting. The record exists and it is only ever read backwards. That is why deliberate review is worth so much.

Once a year, look honestly at where your time went and what it produced, in whatever form works for you. Do it without judgement, since the point is information rather than a verdict. Being the one who checks the books changes what gets written in them.