The time value of money is a financial concept that any amount of money is worth more now than that same amount in the future because of it’s potential earning capacity; and money is subject to inflation impacting spending power. Meaning you can buy less in the future. However, deflation may mean that you could buy more in the future, and taking the money now reduces the risk that you may not receive the sum of money in the future.

What’s the point of all this?

Well, money can be confusing if you haven’t had a money mentor or learned money lessons from parents or some other trusted person from an early age, or it wasn’t your role in the household to manage the money.

Many women find themselves in this position later in life – confused about money. But, it can happen to anyone at any time. Are you running in heals with your head down trying to make money to pay the bills, not really understanding in what direction to head?  I have made it my personal challenge to help educate, mentor, coach and guide women to improve financial outcomes for themselves.

If you’ve been following me for a little while you’ll be familiar with the “magic of compounding”. I wanted to expand on that concept today, and remind you that “Time is money“.


It’s important to be able to distinguish the value of investments that offer returns at different times. Is buying an investment portfolio of shares better than investing in yourself and your business?

If you are working in the Corporate world, what is the opportunity cost of not having your own business or “side hustle”? When will be the right time to break away and live your entrepreneurial dream?

Retirement is easier to afford if you start early. You’ve got time for your investments to mature, and recover,  giving greater comfort/certainty your plan is achievable.

In life and business it’s easy to get distracted.

A question for you – How much TIME is Facebook, Instagram, Netflix, and other entertainment and social media sucking out of your life? How much time have you got left to build your dream life?

Could you be missing chances or leaving it too late? Use your time now to be more productive and help you to create better money habits, more money, and greater financial security. Is all this social an effective use of your time for business purposes?

Having control of your personal and business finances is so important. So is managing your time, because time and money provide financial freedom and choice.

If you need help speak to a qualified Financial Adviser who focuses on your needs and best interests; helping you to realise your dreams. Someone like me who will coach you and partner with you on your money journey.


This represents general information only. Before making any financial or investment decisions, we recommend you consult a financial planner to take into account your personal investment objectives, financial situation and individual needs.

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