Visualize a metaphorical representation of the phrase 'Time is Money'. This could involve an antique hourglass, with golden grains of sand slowly falling representing the flow of time. The hourglass could be encircled by a luxurious, shining gold chain symbolizing the money factor. The backdrop could be a gradient of pastel blues and purples, creating a contrast with the shining gold. On the horizon, there could be an old-style clock tower, indicating the passage of time, and below, we could see people of different descents and genders busily engaged in various occupations, once again underlining the concept of time equating to money.