<|im_start|>user
What is the time value of money?<|im_end|>
<|im_start|>assistant
The time value of money is a concept in finance that reflects that money in the future is usually worth a smaller amount than the same amount of money today.  The reason for this is that money today could be invested and earn a return that would make it worth a larger amount in the future.<|im_end|>
