$100 you have now (present value) is worth more 1 year from now (future value) because money has a time value (can be invested to earn interest over time). After reading the chapter on Time Value of Money and going through the video Time Value of Money ,discuss how you would take advantage of time value of money to plan your retirement.
read chapter & Watch "time value of money" –
https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/time-value-of-money
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