fats provolone wrote:I'm not a finance masterman so maybe someone can point out the obvious flaw here but aren't these comparisons wrong?
Like, if I pay the minimums on my loans and save or invest money or w/e, I have $X after some period of time. I have some loan debt but it's not negative income. It's a series of cash flows out over time. Doesn't that have to be discounted?
I guess that's what the interest rate is and maybe I just answered my own question.
I don't necessarily understand your question--but I don't even see what you would discount? You're just comparing the interest you accrue over a period to the gains you make on the cash.