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I have definitely hear the expression "time is money" and what's funny is the first time I heard it it came from my parents. They were trying to prove a point on why I should take the time to do my chores correctly so that I can earn the most amount of money possible rather than a lower amount for just doing the least amount of work possible. I was the oldest and only girl of 3 kids, so growing up I had a lot of valuable lessons compared to my 2 younger brothers. As I got older and started working and earning income, I found that expression could be used in many different aspects of life. The last time I used TVM calculations to support a financial decision in my personal life was when my fiance and I were deciding whether to open an interest baring savings account to save money for a home purchase and wedding fund or not. We had been saving it in our checking accounts and even had cash in our safe at one point because it was more convenient to access. But ultimately, we had to decide was convenience more important than the interest it could gain from being in a savings account? We also asked ourselves, would the interest be worth it? So we pretty much used the single-period future value calculation, and took the amount of money we had saved and multiplied it by the interest. Of course, since it's a savings account the rate is low but more is better than none in my opinion