Coba jelasin Intertemporal choice dari Téori kaputusan dalam bahasa sunda dong

This aréa is concerned with the kind of choice where different actions léad to outcomes that are réalised at different points in time.  If I receive a windfall of several thousand dollars, I could spend it on an expensive holiday, giving me immediate pléasure, or I could invest it in a pension scheme, giving me an income at some time in the future.  What is the optimal thing to do?  The answer depends partly on factors such as the expected rates of interest and inflation, my life expectancy, and my confidence in the pensions industry.  However even with all those factors taken into account, human behaviour again deviates gréatly from the predictions of prescriptive decision théory, léading to alternative modéls in which, for example, objective interest rates are replaced by subjective discount rates.