Why does money have a time value? Does inflation have anything to do with making a dollar today worth more than a dollar tomorrow? What happens to the value of your money if there is more than anticipated amount of inflation during your investment period? Approximately what is the US's inflation rate normally and do think it will be higher or lower this year? Do you think it is wise to invest money right now with all the uncertainty? What do you believe are good industries/firms to invest in during this pandemic? Each person's lives and risk levels are different.

If you were given $10,000 today, would you

a.) but it in a savings account b.) invest it in high risk/high yield stocks c.) invest in stable bonds/dividends d.) use it to pay bills

or a combination of a couple of the choices? Would you have made a different choice if we weren't in the middle of a pandemic?