Why is a dollar today worth more than a dollar in the future? a. Not knowing the duration of life adds uncertainties. b. Inflation rates increase prices over time, which means that each collar you own today will buy more in the present time than it will in the future c. You may lose that money in the future, it is risky to keep money, d. Due to the utility you get from spending, if you save and do not spend it yourself, your kids will get the utility