 Would you rather have $100,000 today or would you rather have $100,000 five years from now? Well, you'd rather have it today because of what you could earn on it during that five years. Agreed? I understand, yeah. That's called present value and future value. And so you can take $100,000 in the future, like say five years from now, and you would discount that to a present value, and that's probably $66,000.