I need help with this question. Tell of an experience that you may have had with time of money value concepts. Do you believe the concepts are value

I need help with this question.  Tell of an experience that you may have had with time of money value concepts. Do you believe the concepts are value tools which can be used in Finance? Why or why not?

"Get 15% discount on your first 3 orders with us"
Use the following coupon
FIRST15

Order Now