Of the following car financing options, which one would you prefer while assuming that you prefer paying the least amount of dollars and that you face a 10% annual compound interest rate on all your financial decisions?

options:

A payment $10,000 today and another of $10,000 in one year from today.

A lump-sum payment of $20,000 today only.

A lump-sum payment of $19,000 today only.

A lump-sum payment of $20,000 in two years from today.