Everyone tries very hard, to save time,
Time is money; every chime is a dime,
I know it is silly, I feel somewhat idiotic,
Asking such a question makes me seem neurotic,
But, it is nevertheless, a question I must quiz,
If only, just to put my mind at ease,
If I keep on saving time, please answer, I beg,
When do I get to collect, on my time saving nest egg?
What is the interest rate?
Is there a penalty, if I withdraw at an earlier date?