钱的时间价值因为利率存在。

The time value of money exists because of interest rate.

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金钱的时间价值：今天的一块钱比明天的一块钱更有价值。

Time value of money: a dollar today is worth more than a dollar tomorrow.

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金钱的时间价值是一个很容易理解的原则：基本上它是讲今天的钱比未来同等金额的钱要值钱，因为今天的钱会有潜在的收益。

The time value of money is a simple principal to understand: basically it states that any amount of money is worth more today than the same amount of money in the future due to it's earning potential.

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