Time Value of Money Would you rather have $100,000 today or $1,000 a month for the rest of your life? Most people have some vague idea of which they'd take, but a net present value calculation can tell you precisely which is better, from a financial standpoint, assuming you know how long you will live and what rate of interest you'd earn if you took the $100,000. Explain what you would pick using Peter Drucker's article on Decision Making Process of Managers.