Maintaining purchasing power is a parallel concept to TVM and, while it does apply nicely to businesses, it can be utilized by every day people who want to get the most from their money. Staying ahead of inflation is impossible if your money sits in most savings accounts that are available today. Tax deferences, retirement savings, and education costs are three major areas where individuals must balance their personal goals with their financial goals.

Understanding TVM will help in these decisions. What are your personal financial goals?

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