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You might even have a penny. Between bad habits and wishful thinking, poor financial choices can happen all the time. Paper money is a medium of exchange for goods or services within an economy. Money can enrich our lives and put us into a position to enrich others. Most of us would choose today.

While this may seem obvious, it's also backed up by an economic concept called the time value of money (tvm).

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Today, that may sound like something only a pirate would do, but gold and silver coins were the norm until just a few centuries ago.

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