There are a few things we control in this equation, and a few we don't.

What we control:

• our consistency to add more HBD monthly to savings or what else product will be developed based on HBD
• compounding interest over time

What we don't control:

• our age; the younger we are, the better, to give compounding time to show its force
• the yield: we can't rely on the fact it will remain constant at 20% for years
• the pegging of HBD; it may or may not be an issue for us if it de-pegs