Time is more valuable than money. So why do we treat our money with such care and our time with such indifference? In The Time Value of Life author Tisa L. Silver combines finance lessons and real-life experiences to illustrate the importance of time management. A student-turned-professor of finance, Silver shows the many parallels between finance and life, and money and time. This self-help guide describes the Time Value of Money model using the four components of present value, return, time, and future value to drive decisions on how to best utilize your time on earth. The Time Value of Life advocates that you: • Recognize that time is a limited resource • Reinvest • Diversify your investments • Keep your word • Be respectful of time • Believe in your investments • Make collaborative investments • Understand that good investments pay off • Realize the past does not dictate the future • Know that future value depends on your input By being more careful about the way you invest your time now, you can enjoy the rewards later. Stop spending time and start investing it.

In many other self-help books, people tell you about life-changing events and how they have motivated them to vow never to smoke again, or cheat again—whatever it may be. Their lives were made complete because of this one thing that they discovered and now want to share with you. This is not that type of book. I have no cookie-cutter solutions to solving your problems, because no such solutions exist. I wrote this book to share how a simple decision-making rule used in finance can be applied to making decisions in other areas of life, especially decisions about how you will use the time you have been given on this earth. If you can persevere through some introductory level finance lessons, you can easily learn a few life lessons about time. My hope is that you will learn from my experiences (and mistakes), and treat time like the valuable gift that it is. The lessons I offer come from my background as a student-turned-professor-of-finance, and from my own experience with life. There are many parallels between finance and life, and between money and time.

Tisa L. Silver is a double graduate and former faculty member of the University of Delaware’s Alfred E. Lerner College of Business and Economics. Silver is also the founder of the non-profit Good Works Coalition. She lives in Prince George’s County, Maryland. Visit her online at www.tisasilver.com.