I think you can use the "what if" quite comfortably here even if the HBD APR drops to 10% or 15% in the future. 20% just seems too good to be true and all my calculations are for the 13-15% mark. Having 200K in HBD is my long term goal which seems like a lot, but it isn't once we see the ATH's again. Having a goal and more importantly a plan is crucial to getting ahead.
That's my thinking too. Even at 10% it's still light years ahead of what we could do in a bank account.
Yes best way to think as 10% is still good and if it is more then great.
Agreed!