You can't assume steem will be worth 46. If you knew that steem will be worth that are you investing your life savings.
I did not suggest anyone invest their life savings.
I discussed the scenario where a steemian invests a meager $400 and $2 of blogging effort per day (which probably returns that individual a profit every day in learning and social networking experience).
I did not only discuss a $46 scenario. I discussed many scenarios including a doubling of the price, complete failure, and even in the comments I have mentioned just increasing your blogging effort to $9 (2 STEEM) per day of earnings will radically change the computations even with only a doubling in the price. That is why I provided a link to and example instructions for the scenario calculator, so readers can do “what if” analysis that fits their situation.