So you could care more about an instrumental value (e.g. making money) than about a value-you-care-about-for-itself (e.g. smelling nice flowers).

Hmmm. Then it seems that I had completely misunderstood the term. My apologies.

If that is the case, then it should be possible to find a terminal value by starting with any value and then repeatedly asking the question "and why do I value that value?" until a terminal value is reached.

For example, I may care about money because it allows me to buy food; I may care about food because it allows me to stay alive; and staying alive might be a terminal value.