What a great article. I have long known the bunkus of 10% (about the first time I heard it I promised myself to use 11%) but you really laid it out well.
Your comment on remembering PI made me think of an incredible person, Gina Pell. Her husband is one of my news curators, but she is amazing. She reads a book a day, publishes a list a day, is a wife, mother and all that. She coined the term Perennial which I subscribe to. Plus she can recite incredible strings of PI.
Sounds like a really amazing woman, kudos! I love hearing stories about people like that, thank you for sharing! 💚