Time value of money problems are an integral part of finance.  In this research, we focus attention on the issues raised when a non-integer solution results from solving for “n†(number of periods) in a time value of money annuity problem.  We show that such a numerical solution, while mathematically correct, can deviate from the narrative of the problem.  This deviation from the narrative could cause misunderstandings between students and instructors, and/or practitioners and clients.  It could also lead to underfunding of investment goals.  We demonstrate how instructors and/or practitioners can explain the deviation from the narrative in such cases, and how cash flows can be adjusted to avoid missing goals.