‘No’ is the word that saves your time, money, and energy.

Use it often.

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I have the 33% - 33% - 33% rule.

33% of jobs/tasks must be done immediately.

33% can be postponed.

33% won't be done (a simple 'No')

Cool,

We should create rules for our life otherwise life will create it for us, and we will not like it.

Right, especially as a middle aged man you should. Because everybody wants something from you. Your boss, your wife, your kids, your parents, the state and its offices etc. Can't serve everybody every time.

Agree, Time management is million million-dollar skill.

This is great advice. We feel obligated to say “yes” to everything - this is the quickest way to burnout

Exactly, But this word requires practice and good expression.

It shouldn't hurt anyone.

Yes - you can’t be a dick