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Ct+1

Ct

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Ct

Ct+1

- (1 + r )

W t+1

W t

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Ct

Ct+1

- (1 + r )

Dis. Renta

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Ct

Ct+1

- (1 + r )

- ( 1 + r ' )

W t

W t+1

r > r '

Ct+1

CtW t

W t+1

C* t

C* t+1

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Ct

Ct+1

- (1 + r )

W t

W t+1

W t + A

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Ct+1

Ct

C* t+1

C* t = W t + A

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Ct+1

CtC* t

C* t+1

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