I couldn't sleep last night and ended up wondering if you'd make more money over 15 years if you made 1% interest the first year up to 15% on the last year or vice versa, making 15% the first year and 1% the last.

So my gut tells me that making 15% the first year will yield more money as you're making interest on a larger amount (after the first year) and compound interest loves time.

Maybe you'll end up with same at the end but I can't imagine having an incrementing interest rate will yield more than a decrementing one.

To the spreadsheets!

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Even after watching a bunch of YouTube videos and reading some websites I still didn't have the foggiest clue on how to actually enter any records in my current accounting software of choice, webzash.org.

In fact I was losing my mind, figuring the two demo programs I was using were both wrong but knowing that couldn't be the case. That's how hard it was for me to wrap my head around these concepts.

So here's how I think this stuff works. It's likely wrong and/or incomplete so take everything I'm about to say with a huge grain of salt.

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