Welcome to Finance ABC! I’m Emma Lai, and today we’re exploring the concepts of Present Value and Future Value — two powerful tools that help us make sense of money over time. Understanding these concepts can make a huge difference in financial planning, helping us determine what an investment today might be worth down the line or, conversely, what a future sum is worth in today's dollars. They’re foundational ideas in finance and investing, and once you grasp them, you’ll find they’re incredibly practical tools for planning, saving, and investing.