I have to say for me, the way I do it is RL responsibilities first, then spend the balance of my time playing.
I know from time to time I also "cheat" and put off the RL stuff until tomorrow, but for the most part, I stick to this "schedule" that I have made.
I work for myself, so I have a lot more freedom, and therefore, alot more opportunity to ***** myself over ^.~.
I get up, bring kids to school first. Next I spend about an hour checking forums, reading email, getting into my day (What I'm doing now LOL). I spend the next several hours on customer needs, and on generating new customers.
I get my kids from school, help with homework, and wrap up any other RL work, or get into some light activity in game if I don't have any other project for the afternoon. Sometimes *gasp* I'll even hang out with the kids and goof off instead! (shhhh it'll ruin my totally addicted MMORPG rep here! >.>;;)
Dinner and Kids to bed, and then I really get into whatever other activity in game I want to do, be it our static party, or a linkshell event, or leveling some other job.
You're young still, enjoy life, whether it's playing the game, or hanging out with your friends. Don't sweat the details too much, as long as your real life work (your homework, and any part time job you may have) gets done. If playing the game gives you enjoyment, then do so. If you feel like you're missing out on something outside of the game, take the following 7 steps:
1. Locate the logout button on the second long menu.
2. Select the logout button.
3. Answer yes when it asks you if you are sure.
4. Choose the quit option.
5. Locate the power button on your PS2 or PC.
6. Press that button.
7. Get up, get out, and go see what's out there.
Have fun!!! ^.^)v