‘Intangible Money’ that we all unconciously have.

I am not talking about bank balance, cheques that you deposit, equity, accounts, etc. that most people will refer to about intangible money
I met a 27 years old guy who wanted to be able to speak english in short period of time. In order to achieve his goal he paid a lot money to hire an english teacher/tutor and sacrifice his time to learn english because he want some job which required him to be able to speak english fluently. Looking backward, when i was a high school student. I don’t have things like interview or any urgency. So i was learning english with no pressure. It was 9 years ago even until now i am still learning. I am not saying my english is good but i can speak fluently and have no any difficulties to speak english with anyone. Imagine if 9 years ago i keep postponing maybe i will be in the situation like the guy that i need to pay such amount of money but instead i learn english for 9 years for free because i learned by myself. The amount of money that the guy spent to study english in short period of time is the amount of money that i don’t need to spend. I cannot use this intangible money. But this make me feel grateful and realise that in this life sometime we forget that we already rich.