Not enough time? Probably, if you stay on top of everything. I have a job and a family (which means not much spare time), so I'm probably going to fail the 3rd quest. I just reached lvl 19, but I've got less than a day to get to 20. I don't see it happening without using my rubies. But you apparently need a ton of rubies for the 4th quest, so I'm trying not to spend them. I wish someone would say how many rubies you need.... maybe I have enough that I can spend a little to speed things up.