One of my favorite examples of the Time Value of Money is investing into YOU!!! Assume for the moment you start putting $30 a week into an IRA at age 25, you invest it into "Index funds", when would you become a millionaire? What if you put in an extra $5 per week the next year ($35), then $40 the next year...? http://news.morningstar.com/index/indexReturn.html http://www.1stock1.com/1stock1_112.htm