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Of the following car financing options, which one would you prefer while assuming that you prefer paying the least amount of dollars and that you face a 10% annual compound interest rate on all your financial decisions?

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Of the following car financing options, which one would you prefer

while assuming that you prefer paying the least amount of dollars and that you face a 10% annual compound interest rate on all your financial decisions?
options:
A payment $10,000 today and another of $10,000 in one year from today.
A lump-sum payment of $20,000 today only.
A lump-sum payment of $19,000 today only.
A lump-sum payment of $20,000 in two years from today.

 
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