Time Value of Opportunity

The Time Value of Opportunity – Filling The Pig Personal Finance Books

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The time value of opportunity is the ability to recognize money saving or money making opportunities (events) that will benefit you over the course of a lifetime. The key word being recognize. 

For example, in relationship to vehicle insurance.  Most think of vehicle insurance as a single annual occurrence. You pay your premium every year (or monthly) to make sure you have coverage in the event of an accident. However, have you ever thought of approaching your insurance premium as a money making strategy, or an opportunity? 

Most of us start driving at the age of 16. We stop driving let’s say around 75. That’s 59 years of your life. If you approach your auto insurance from a long-term perspective it’s quite possible you could save a lot of money over the course of 59 years.


saving money


Consider this.  What if you could save $100 a year on auto insurance, and then take that savings and invest it, earning 8% annually.  Here is what the numbers would look like!

  • In 10 years you would have $1,448.
  • 20 years $4,576.
  • 30 years $11,328.
  • 40 years $25,905
  • And in 50 years $57,377.

It’s what I call the “double whammy”, your saving money annually and re-investing it to make more.

To be able to take advantage of simple strategies like this you have to start with a solid financial foundation.  A position that allows you to save money so you can increase your insurance deductible, enabling you to save the $100 annually on your premium.  Saving on your auto insurance premium and then re-investing it to make more money is a great example of the time value of opportunity. 

But how do you recognize simple opportunities like this? 

If you are struggling to manage debt and save money, it can often be an emotional roller coaster.  And when you’re on that roller coaster it can be challenging to see the opportunities that are sitting right in front of you. The sooner you can get out of debt, the sooner you can start taking advantage of these types of lifetime opportunities.

Filling The Pig eBook series is all about creating opportunity by first building a rock solid financial foundation, then leveraging that foundation to save or make more money.  Take a step-by-step approach to successful money management. Check out the series, then you can leverage the time value of opportunity!


Personal Finance Books


  • Filling The Pig – In 4 Steps, Save Cash, Eliminate Debt, Create a Lifestyle of Opportunities.  Build a solid financial foundation.
  • Filling The Pig – Workbook.  Worksheets and templates for paying off debt via the Snowball Method.  Saving money by leveraging the Cash Ladder.  Creating a simple budget and staying motivated by developing a Five-Year Plan.  Sign-Up and download the Workbook for Free.
  • Filling The Pig – More Cash  Have your foundation in place?  Then leverage these simple strategies for saving and making more money.
  • Filling The Pig – Simple Investing, A Beginners Guide to Understanding Investments & How to Get Started.


Kevin is the owner of FTP and the author of the personal finance book series Filling The Pig. He uses his past successes and failures with debt, saving cash, investing and running home-based businesses to educate others about successful money managment and Creating a Lifestyle of Opportunities.

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