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gwern comments on The Math of When to Self-Improve - Less Wrong
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I think you could just compare sums of money. Would you trade 10$ now for 20$ in a year? I would, so your discount is <2. Would you trade 10$ for 15$ in a year? Then your discount is <1.5. And so on.
If you just have trouble comparing dollars, then maybe you could compare coffee, or books, or something.