You wake up having been gifted the ability to take time off of your life as a whole in exchange having more time in-the-moment--whether it’s time to think, time to spend doing something or with people, time to hold onto something or someone, whatever. Others will be unaffected, this is personal.
The conversion ratio is ~6 hours of in-the-moment time --> ~1 year of life (or 1:1,460), and it only works one-way.

• Do you use the ability at all?
• If yes, how do you use it--large chunks sparingly or small moments regularly?
• Do you ‘spend’ a significant amount or prioritize retaining lifespan?
• What would you use it for?
• If yes/no, what ratio would make it not worth it/worth it?
• Would it be better to track usage rigorously or to remain unaware?
• What psychological problems/trauma could usage cause you?
• How would you feel if you found out someone you loved had been trading their time?
• If no, what circumstances would convince you to?

Edit: I’m so glad to see diversity in the responses!
Thank you to all who are taking the time to give answers. I intend to respond more when i have time later. :)