Welcome to Finance ABC, where we make financial concepts simple, accessible, and applicable to your everyday life. Today, we're diving into the idea of the "Time Value of Money," a fundamental concept in finance that sounds a bit technical at first, but is actually something that affects every financial decision we make. Understanding it can give you a sharper lens for evaluating investments, savings, loans, and even day-to-day spending decisions. So, by the end of today’s episode, you’ll know why money in your pocket today is worth more than the same amount in the future, and how you can use this concept to make better financial decisions.