Reply to - For my situation, I wanted to take some money out of my account to pay a loan off in a couple of months. So I spoke to my banker and told her what I was planning to do, and she asked me a simple question, do you have cash on you or at my home. I replied, yes I do, and she said do you have enough to pay this loan out? To which I said, yes ma'am. She said use that money to pay it, the money in your account, open a CD. Your money is only as good as what it is today if you dont invest it. She said that the money in my savings account would actually pay me if I invest it on a CD for future benefits. I used the present value of money to help me to understand that if I used 15,000 today, it would be worth more with interest in a couple of years just by letting it sit and build up. It was a tough decision, because I was basically taking money from one place that I was use to and moving to another place that