Tell me what you know about compound interest and the time value of money.

"Compound interest refers to how interest increases exponentially over time. This might be the interest associated with a loan, bank account, or investment, and the interesting thing is how it compounds exponentially rather than linearly. This is why I think it's so important to reinvest dividends on an investment, because over time the reinvested dividends will compound along with the initial investment, causing your returns to grow drastically. The time value of money, on the other hand, is the concept that money you have now is worth more than the same amount of money in the future because of its potential earning capacity. In other words, because money can earn interest, it is worth more the sooner it is received."