Eh, at some point you end up with a backlog of things to do where you never have unspent time.

I've got about 3-500 hours left on a home renovation project, 10-20 on a playhouse for my daughter, 50 or so on a desk for myself, 1000 on a personal programming project, I really need to spend about 500 hours getting back into shape, and all of that is competing for the time I have left after the weekly commitments I have to my day job, my family, and basic self-care.

Practically speaking I'm working with about 10-20 hours a week here of discretionary spending, maybe 30 or so if I'm really tight and can use all the disjoint minutes effectively, and will get through my current backlog in 2-3 years. If nothing else comes up that's higher priority.

If you sell your time for a living, then time (during certain parts of the day), does have a value. If you aren't selling your time and are doing something else, you are losing money.

With inflation when you don't spend money you lose money too.