Bill Smith sits down to his most dreaded chore—paying bills. Every month, it’s the same story: Pay the most urgent, and leave the rest. There’s never enough money, no matter how hard he works. Jane Miller flies into the school office frazzled and 30 minutes late because she was 20 minutes late getting out of the dentist’s office because she was 15 minutes late to her appointment. How will she ever get the kids home, homework started, and dinner on the table, and be back out the door in time to chair the PTA meeting that evening? Tom Johnson gets up every morning at 4:30 to make the 5:30 train for his 90-minute commute into the city. He crams during every spare minute for the classes he’s taking at night. Getting his degree is no longer something Tom can put off. It’s been weeks since Tom’s made it home for …