The future of Fannie Mae (FNMA 1.76%) and Freddie Mac (FMCC 1.70%) is still very much up in the air. As bills swirl around Congress and speeches are made, the time frame of when change can be expected is becoming less-clear. In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analyst David Hanson is joined by Motley Fool One analyst Morgan Housel to discuss why it's important to consider the time value of money and alternative returns before investing in Fannie Mae or Freddie Mac.