excellent story. we should "smash" them older people with that 10-25% APR - for most it is unbelievable🙃
I would also use this formula:
(1.1^20)*20000$ = 134550$
which means putting $20000 on 10% APR (compounding yearly) for 20 years
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the first thing my mom said was...this is too good to be true lol