[Verse 1] Money today beats money tomorrow That's the golden rule we borrow A dollar now can grow and multiply While waiting makes its power die Future cash flows shrink in worth Time erodes what they're worth So we discount what's yet to come By rates that make the math add up [Chorus] Present value, future dreams Nothing's quite the way it seems Discount rate cuts through the haze Shows us what tomorrow pays Time value rules every choice Let the numbers be your voice Present value, crystal clear Worth more now than later years [Verse 2] Sarah has two offers bright One pays now, one waits for light Thousand dollars in her hand Or twelve hundred in a year's span Which path should her wisdom take Calculate for money's sake Ten percent rate helps decide Present value is her guide [Chorus] Present value, future dreams Nothing's quite the way it seems Discount rate cuts through the haze Shows us what tomorrow pays Time value rules every choice Let the numbers be your voice Present value, crystal clear Worth more now than later years [Bridge] Opportunity cost whispers loud What else could make money proud Inflation gnaws at future gold Risk makes distant promises old Capital budgets live or die By this truth we can't deny [Verse 3] Companies weigh projects grand Discounted cash flows help them plan Each year's earnings brought to now Time value shows them which and how NPV will tell the tale Which investments will not fail Future streams of golden rain Only worth their present gain [Chorus] Present value, future dreams Nothing's quite the way it seems Discount rate cuts through the haze Shows us what tomorrow pays Time value rules every choice Let the numbers be your voice Present value, crystal clear Worth more now than later years [Outro] Time transforms what money means Present worth beats future scenes Discount well and choose with care Time value's wisdom everywhere
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