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What are the key Time Value of Money concepts that the average consumer appears to be most challenged in understanding and applying? Can formal financial

What are the key Time Value of Money concepts that the average consumer appears to be most challenged in understanding and applying? Can formal financial literacy training be effective in addressing this literacy gap? 



Be specific in identifying the concepts most challenging to consumers, using what you learned in Module  to form your observations. Use your own experience in this Module to speak to the benefits/ challenges of formal financial literacy training?

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