Im quite confident you are aware of the importance of time value of money. For example, if someone were to offer you two choices between payouts of a toonie today or a toonie tomorrow. Which one would you choose? Lets now put it into practical perspective. You have two saving plan options. Option A: Invest $ 100 at the end of the month. Week 4. It will earn you 4% interest. Option B: Invest $ 50 at the end of week 2; $ 50 at the end of week 4. It also earns 4% interest. Which option would you choose and why?