The article discusses how people make decisions about receiving money now versus later. The researchers found that when it comes to income streams, using certain methods to calculate the value of future money can lead to a preference for getting more money later instead of now. They suggest that the best way to calculate the value of income streams is to first find the net present value of different options and then apply a utility function to that value. This approach is more realistic for consumption streams, especially when the time intervals between periods are large.