CRO/USD multimillionaire retirement

22 ก.พ. 2022

This is an updated idea to my previous idea on the link above. The Idea that I am proposing to you, will help you become a millionaire before the retirement of age 65. I will cut down retirement age for you by almost half from age 18-48 instead of 18-65. Using this savings method you will retire 17 years earlier as a multi-millionaire. All this is made possible by cryptocurrency and you handling your own finance rather than giving it to some 401k retirement plan where you let others play with your money. The initial amount you need to get started with my proposed plan is 40,000 USDT. If you do not have that much you can start with 4,000 USDT, it will take longer, however, both path is still better than your traditional retirement plan. This is something that was not made possible before cryptocurrency and it is something I wish someone had told me in my senior year of high school. School is not everything and it's not needed for you to become a millionaire or a successful person. This method only takes about 30 mins for you to set up yourself and is 100% safe and low risk. With cryptocurrency we are now able to achieve financial freedom more easily, especially by handling your own finances through a method we call staking. There are over 17,000 cryptocurrency as of this writing and many coins in which you can stake from. For my example I will use CRO and tether, both I deem highly reliable and low risk. Both of these can give you an APY of 12% when staking through the crypto.com app when you stake 40,000 USDT or 40,000 USDT worth of CRO.

CRO STAKING or USDT - 12% APY
initial - 40,000 + 12% APY (4800) = 44800 year 1 || 4800 APY / 52(weeks) = 92x4 = 369 /mo off APY
initial + monthly with 12% APY after 5 yrs - 102,803 year 5 || 12,336 APY / 52 (weeks) = 237 x 4 = 948/ mo off APY
initial + monthly with 12% APY after 10 years - 264,184 year 10 || 31,702 APY / 52 (weeks) = 609 x 4 = 2438/ mo off APY
initial + monthly with 12% APY after 15 years - 679,052 year 15 || 81,486 APY / 52 (weeks) 1567 x 4 = 6268/ mo off APY
initial + monthly with 12% APY after 20 years - 1,745,537 year 20 || 209,464 APY / 52 (weeks) 4028 x 4 16,112/ mo off APY
initial + monthly with 12% APY after 25 years - 4,486,973 year 25 || 538,436 APY / 52 (weeks) 10,354 x 4 41,418/ mo off APY
initial + monthly with 12% APY after 30 years - 11,534,063 year 30 || 1,384,087 APY / 52 (weeks) 26,617 x 4 106,468/ mo off APY
^ USDT

CRO - .40 cents
initial - 40,000 + 12% APY (4800) = 44800 year 1 || 4800 APY / 52(weeks) = 92x4 = 369 /mo off APY
initial + monthly with 12% APY after 5 yrs - 102,803 year 5 || 12,336 APY / 52 (weeks) = 237 x 4 = 948/ mo off APY
initial + monthly with 12% APY after 10 years - 264,184 year 10 || 31,702 APY / 52 (weeks) = 609 x 4 = 2438/ mo off APY
initial + monthly with 12% APY after 15 years - 679,052 year 15 || 81,486 APY / 52 (weeks) 1567 x 4 = 6268/ mo off APY
initial + monthly with 12% APY after 20 years - 1,745,537 year 20 || 209,464 APY / 52 (weeks) 4028 x 4 16,112/ mo off APY
initial + monthly with 12% APY after 25 years - 4,486,973 year 25 || 538,436 APY / 52 (weeks) 10,354 x 4 41,418/ mo off APY
initial + monthly with 12% APY after 30 years - 11,534,063 year 30 || 1,384,087 APY / 52 (weeks) 26,617 x 4 106,468/ mo off APY
^ CRO STAKING @.40 cents. If CRO is at .40 cents 30 years from now you will still earn the above staking rewards.


Let's attempt to guess CRO's movement
CRO year 1 @.40 = 40,000 USDT /.40 = 100,000 CRO
CRO year 5 @.80 = 102,803 USDT /.80 = 128,503 CRO
CRO year 10 @1.6 = 264,184 USDT /1.6 = 165,115 CRO
CRO year 15 @3.2 = 679,052 USDT /3.2 = 212,203 CRO
CRO Year 20 @6.4 = 1,745,537 USDT / 6.4 = 272,740 CRO
CRO Year 25 @12.8 = 4,486,973 USDT / 12.8 = 350,544 CRO
CRO Year 30 @25.6 = 11,534,063 USDT / 25.6 = 450,549 CRO
^ This is the conversion CRO at it's highest price point on each 5th year to give you an estimate of how much CRO you'll have.
*none of these numbers are real, just an example*



CRO year 1 @.40 = 40,000 USDT /.40 = 100,000 CRO
CRO year 5 @.80 = 102,803 USDT /.80 = 128,503 CRO
CRO year 10 @1.6 = 264,184 USDT /1.6 = 165,115 CRO
CRO year 15 @3.2 = 679,052 USDT /3.2 = 212,203 CRO
CRO Year 20 @6.4 = 1,745,537 USDT / 6.4 = 272,740 CRO
CRO Year 25 @12.8 = 4,486,973 USDT / 12.8 = 350,544 CRO
CRO Year 30 @25.6 = 11,534,063 USDT / 25.6 = 450,549 CRO


CRO Year 30 @.40 = 11,534,063 USDT / .40 = 28,835,157 CRO - I do not think CRO will be at this price since there will not be enough in circulation
max supply = 25,260,000,000 meaning only ^ x 1000 people can do this.

If CRO is at 25.6 @ year 30 then 56,863 other participants can do this. This means that we would've dropped from the initial participants of 200,000.

-currently at .40 cents there can be 200,000 participants 200,000 x 100,000 CRO = 20,000,000,000B CRO; since currently 5.7B is locked in
-circuclating supply is 19,888,888,888 / 100,000 = 200k participants


Buy 100,000 CRO Year 1 (40,000 USDT) and stake until year 30 @ 25.6 USDT per CRO
100,000 x 25.6 = 2,560,000 USDT + 11,534,063 From staking
*Keep initial CRO of 100,000k and stake USDT from APY
YR 30 = 14,094,063 VS USDT Staking only of 11,534,063 USDT

------------------------
Now,
If you were to buy & stake CRO instead using the predicted price above, it should look something like the example below

CRO year 1 @.40 = 40,000 USDT /.40 = 100,000 CRO || 100,000 CRO 12% APY 12000 CRO / 52(w) = 230 CRO x 4 = 920(m) || compound monthly = 124,350 CRO YR 2.
YR 5 = 256,805 CRO

CRO year 1 @.80 = 40,000 USDT /.80 = 50,000 CRO || 50,000 CRO 12% APY 6,000 CRO / 52(w) = 115 CRO x 4 = 460(m) || compound monthly = 62,175 CRO YR 2
YR 5 = 128,402 CRO

CRO year 1 @.60 = 40,000 USDT /.60 = 66,666 CRO || 66,666 CRO 12% APY 8,000 CRO / 52(w) = 153 CRO x 4 = 615(m) || compound monthly = 82,920 CRO YR 2
YR 5 = 171,338 CRO
^^^^^^^^ This is the medium between .40 and .80, assuming we get some CRO at the lower end and some at the higher end, we should average around .60 cents per CRO
while buying/holding/staking for the duration of the 5 years.
171,338 CRO @.60 = 137,070 USDT after 5 years.
VS USDT Staking = 102,803 USDT after 5 years.

While using the medium of the price targets I have made, we will get a more accurate count/simulation of purchasing CRO throughout every 5th year for my prediction.

CRO year 1 @.80 = 137,070 USDT /.80 = 171,337 CRO || 171,337 CRO 12% APY 20,560 CRO / 52(w) = 395 CRO x 4 = 1581(m) || compound monthly = 213,117 CRO YR 2
YR 5 = 440,387 CRO

CRO year 1 @1.6 =137,070 USDT / 1.6 = 85,668 CRO || 85,668 CRO 12% APY 10,280 CRO / 52(w) = 197 CRO x 4 = 790(m) || compound monthly = 106,552 CRO YR 2
YR 5 = 220,151 CRO

CRO Year 1 @1.2 = 137,070 USDT / 1.2 = 114,225 CRO || 114,225 CRO 12% APY 13,707 CRO / 52(w) = 263 CRO x 4 = 1054(m) || compound monthly = 142,078 CRO YR 2
YR 5 = 293,592 CRO
293,592 CRO @1.2 = 352,310 USDT

CRO year 1 @1.6 = 352,310 USDT /1.6 = 220,193 CRO || 220,193 CRO 12% APY 26,423 CRO / 52(w) = 508 CRO x 4 = 2032(m) || compound monthly = 273,889 CRO YR 2
YR 5 = 565,976
CRO year 1 @3.2 = 352,310 USDT /3.2 = 110,096 CRO || 110,096 CRO 12% APY 13,211 CRO / 52(w) = 254 CRO x 4 = 1016(m) || compound monthly = 136,944 CRO YR 2
YR 5 = 282,987 CRO
CRO year 1 @2.4 = 352,310 USDT /2.4 = 146,795 CRO || 146,795 CRO 12% APY 17,615 CRO / 52(w) = 338 CRO x 4 = 1355(m) || compound monthly = 182,597 CRO YR 2
YR 5 = 377,344 CRO
377,344 CRO @ 2.4 = 905,625 USDT

CRO year 1 @4.8 = 905,625 USDT /4.8 = 188,671 CRO || 188,671 CRO 12% APY 22,640 CRO / 52(w) = 435 CRO x 4 = 1741(m) || compound monthly = 234,679 CRO YR 2
YR 5 = 484,944 CRO
484,944 CRO @ 4.8 = 2,327,731 USDT

CRO year 1 @9.6 = 2,327,731 USDT /9.6 = 242,471 CRO || 242,471 CRO 12% APY 29,096 CRO / 52(w) = 559 CRO x 4 = 2238(m) || compound monthly = 301,605 CRO YR 2
YR 5 = 623,272 CRO
623,272 CRO @ 9.6 = 5,983,411 USDT

CRO year 1 @ 19.2 = 5,983,411 USDT /19.2 = 311,635 || 311,635 CRO 12% APY 37,396 CRO / 52(w) = 719 CRO x 4 = 2876(m) || compound monthly = 387,633 CRO YR 2
YR 5 = 801,028 CRO @ 19.2 = 15,379,737


CRO Year 1 @.60 of 40,000 = 66,666 CRO = 40,000 USDT
CRO year 5 @.60 of 66,666 = 171,338 CRO = 137,070 USDT
CRO year 10 @1.2 of 171,338 = 293,592 CRO = 352,310 USDT
CRO year 15 @2.4 of 293,592 = 377,344 CRO = 905,625 USDT
CRO year 20 @4.8 of 377,344 = 484,944 CRO = 2,327,731 USDT
CRO year 25 @9.6 of 484,944 = 623,272 CRO = 5,983,411 USDT
CRO year 30 @19.2 of 623,272 = 801,028 CRO = 15,379,737 USDT

20Billion / 800k = 25,000 participants, if only 25,000 people can stake this amount of CRO at 19.2 then this is too good to be true. Very small minority are able to do this.
What does this mean? The price of CRO is way too cheap in 30 years. If we started with 200,000 participants then the real value of CRO should be able to be staked
By 200,000 participants.

IF we were to assume that 200k participants are still staking 30 years later

200,000 / 25,000 = 8
800k CRO / 8 = 100k CRO each staker
CRO = 19.2 x 8 = 153.6 USDT PER CRO?
If you do not sell any until the price target of 153.6 USDT
800k x 153.6 = 122,880,000 USDT
CRO Year 30@ 153.6 = 122,880,000 VS Tether staking @ 11,534,063 USDT
^ Maximum value if you never sell all 800k CRO
Realistic value is 11,534,063 - 122,880,000
If you hold at least 100k CRO at year 30 = 15,360,000 + profit of 700k CRO SOLD @ whatever price targets you sold.
^ Realistic value is 15,360,000 - 112,880,000 VS Thether staking @ 11,534,063 USDT
CRO staking VS Tether staking
You have a potential upside of 10x more than tether staking when staking CRO only.
Some people reading this might think it's too late to start staking. It's never too late. If you can't stake 40k for yourself, you can start with 4k for your kids. When they grow up to be 18 they will have a nice lump sum of cash. You can calculate for yourself using this website. Initial amount is 4k, you can add 40 mo with the 10% APY or add none.
You will save them either 22k or 44k, if they have 44k by the age of 18 then they can start the process that I am proposing you above.
investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

If I was taught this in high school, I may have never gone to college at all. I feel like this is something all seniors in high school should learn about so they can have the choice to plan out their life ahead. If they want to continue with school at least they can earn money passively while going to school. If not this is a very viable way to retire early without needing a college degree or without working their entire life doing dead end jobs. People can also use this method to chase their dreams and goals while knowing they can have a back up plan and still live comfortably if all else fails. NO where else in life or any retirement plan will give you something near as good as this. No one gives a shit about you to tell you any of this, other than me lol. If you happen to stumble upon this, pass it along as there is room for all of us. Tether staking is available for all with infinite participants. 1 USDT will always be 1 USDT, no risk involved other than you questioning the current retirement plan you have going on. Banks do not give you more than 1% APY and they're only stepping their game up now due to staking rewards like these. Your financial freedom is at your own hands and we weren't born to be wage slaves. If you aren't willing to take a look at something for 30 mins to save you 17 years + millions to be made then I can't help you.

22 ก.พ. 2022

บันทึกช่วยจำ

The math is slightly off on the above analysis. However, you should make something similar to it.

This one should be more accurate:
Year 1: Initial 40,000 with 12% APY is 4800 / 52 (weeks) = 92 x 4 = 369 || compound 369+ (this scales up every year) monthly for 5 years = 98,624
Year 5: 98,624 with 12% APY is 11,834 / 52 (weeks) = 227 x 4 = 910 || compound 910+ monthly for 5 years = 243,182
Year 10: 243,182 with 12% APY is 29,181 / 52 (weeks) = 561 x 4 = 2244 || compound 2244+ monthly for 5 years = 599,639
Year 15: 599,639 with 12% APY is 71,956 / 52 (weeks) = 1383 x 4 = 5535 || compound 5535+ monthly for 5 years = 1,478,724
Year 20: 1,478,724 with 12% APY is 177,446 / 52 (weeks) = 3412 x 4 = 13649 || compound 13649 monthly for 5 years = 3,646,537
Year 25: 3,646,537 with 12% APY is 437,584 / 52 (weeks) = 8415 x 4 = 33660 || compound 33660 monthly for 5 years = 8,992,486
Year 30: 8,992,486 with 12% APY is 1,079,098 / 52(weeks) = 20751 x 4 83007 || compound 83007 monthly for 1 year = 11,067,668

This is giving you the bare minimum value of how much you'll make staking USDT since I am using the bare minimum value for compound staking monthly when it's value scales up yearly.
-When you are staking through the crypto.com app, they will pay you out every week, in which you will use to re-stake every 3 months or so for compound staking.

2 พ.ค. 2022

บันทึกช่วยจำ

Since the writing of this, there has already been some changes made.

You can now also calculate your staking through crpyto.com
crypto.com/us/earn

Basically they've added tiers to the staked earning rewards.
Tier 1 you get full rewards - up to 30k
Tier 2 you get half rewards - Staking anything above 30k

I see these changes as good and bad. Bad as you get less staked rewards, however, this change will help bridge the gap between the poor and the wealthy.

If you stake 40,000 in CRO and then stake 1,000,000 in USDT/C you'll get 6% APY
60,000k YR | 4,615 MO | 1153 WK - You can re-stake the weekly rewards every 3 months to compound the gains, if you do this, the APY should be higher.