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$48 million is not $92 million, as you first said


If you took five minutes to read Ray's posts and had some basic knowledge of time value of money, you'd note that the original $92M grew for 30 years after accumulation while his followup post had a 20 year period after accumulation. (not sure if he did that on purpose or not)

Change the 20 to 30 years and you get $132,303,404.27 from $6.6M.

I guess that's not $92M either.

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