Your cousin comes to you and asks for a loan. He says he wants to buy a piece of land and says he will pay you back in 8 years. If he asks to borrow $0,000 and your current savings account pays 1.5% interest, how much are you losing if you give the money to your cousin and do not keep it in the savings account? (another way to think about this: what is the difference between your cousin paying you $50k in 8 years and you letting that $50k grow in the savings account?)