In Chapter One, Principle Three Deals with the Time Value

In Chapter One, Principle Three deals with the time value of money. Why is this principle so important to financial planning?

A) It allows us to determine how much money we will need to achieve our future goals.
B) It shows us the impact of inflation on our money over time.
C) It helps us determine our savings needs today in order to meet our retirement goals.
D) It shows us how important time and interest rates are in accumulating wealth.
E) all of the above are important in financial planning.