The 'time value of money' is a foundation of finance, and, is integral to nearly all models of valuation (present value, future value, number of periods, interest rate, payments, etc.) Feel free to tell us if/how you've used any 'time value of money' (essentially compounding) in your personal of business life... And...feel free to tell us what you believe is the best (or one of the best) ways of maximizing your personal wealth (financial wealth)