I believe we can use innoĀvĀaĀtive ways of meaĀsurĀing our sucĀcess to reinĀforce our motiĀvaĀtion to save, espeĀcialĀly when weāre lookĀing at a long time horiĀzon (like savĀing for retireĀment).

Imagine you save $100, and that $100 earns you $10 (per year) in divĀiĀdends. Thatās a 10% return.

Letās say, your investĀment increasĀes to $150, and over that time, the comĀpaĀny increasĀes itās divĀiĀdend in proĀporĀtion. That means, your divĀiĀdend will be $15. Still, a 10% return.

Keep in mind, these increasĀes, and that high a return are not real numĀbers. Iām using them to keep the math simĀple to make a point.

Letās take a closĀer look at this examĀple. I startĀed with $100 dolĀlars. That $100 dolĀlars is earnĀing $10/year or 10%. Time passĀes. Iām now earnĀing $15/year. Thatās a 15% return (each year) on my iniĀtial investĀment.

But, the finanĀcial comĀmuĀniĀty, they donāt meaĀsure it this way. They look at the **curĀrent valĀue** of the stock to meaĀsure the return. As such, they look at the curĀrent valĀue of the investĀment of $150, and say that the $15/year divĀiĀdend is 10%. And, it isā¦ if you were to purĀchase that investĀment today.

Whatās missĀing is a way to meaĀsure the impact of time on our divĀiĀdend income investĀment blueĀprint.

**In order to reflect the valĀue of time in our metĀrics**, we will call the way the finanĀcial comĀmuĀniĀty meaĀsures return āCurrent Returnā to reflect the return on the curĀrent valĀue of the investĀments. Weāll use the metĀric āActual Returnā to meaĀsure the return on the actuĀal amount investĀed. This terĀmiĀnolĀoĀgy reflects the deciĀsion we make when choosĀing whether to invest that $100 or spend it at the time we are makĀing that deciĀsion. It also gives us a way to underĀstand the utilĀiĀty youāve achieved by makĀing the deciĀsion to save it, when lookĀing back on that deciĀsion at some point in the future.

## Let me know what you think