What if I gave you $1.25 tomorrow instead of the dollar today? Then the decision isn't as easy. That is how interest rates are determined -- the supply and demand for money today that is to be paid back in the future.
As long as you invest in a diversified portfolio, your investment will be worth more tomorrow than it is today. In fact, history shows that your money will double about every seven years -- a penny saved is a penny earned ... and given enough time the pennies will turn into millions.