What is TVM? In other words, is a dollar worth more today or tomorrow? What rate is used to discount "future values" expected to be received in the future?
Suppose you went out to eat two days less per month? How much would you save each month?
Suppose that you decided to use these funds to create a "trust" for your family (maybe your kids, or your kids' kids). Finally, suppose you invest in a mutual fund that emulates the market for 50 years at 12% per year.