I would explain the concept of Time Value of Money (TVM) as if money was a seed. If you decide to plant the seed now, the plant will grow over time and give you fruit. This benefits you in the long run as you now have fruit that you wouldn't have had if you did not plant the seed. If you invest now, you could earn more than what you currently have. If you didn't invest, you would have the same amount or even less if you take inflation into accoun