This morning I worked up a

**spreadsheet** to help me project what my faucet "retirement" account will look like once I can access the funds. Go ahead and open it. The rest of this post will make more sense if you can look at the spreadsheet.

The logic of the spreadsheet is as follows:

Twenty years can be divided up into 240 months. Each month the balance of the account earns interest of one percent. Another way to say this is that the balance gets multiplied by 1.01 each month. Each week I add a lump sum of all the DNotes I've gained from faucets in the previous week. Each lump sum of DNotes is entered at the top of a "week" column. You can see the impact of monthly compounding interest by following that particular sum all the way to the bottom.

My very first lump sum of around 35 DNotes got put in at Month one, because I opened the account the same day I made the deposit. However, I opened up the account close to the end of the month, so it got paid interest right away. My second lump sum of around 52 DNotes got put in at Month two, because it will only get paid interest 239 times. Once interest gets paid on everything at the end of May, then every new lump sum will need to be entered at Month three. Over the years I'll lose some of the compounding value for new amounts.

To keep things simple I am not counting any of the earnings coming directly from DNotes faucets in this projection, because payouts could be multiple times a day depending on how aggressively I'm visiting the faucet. However, I did include one drip from the MultiFaucet (0.11 NOTE) just so I could see the impact of that one drip. I had to start this one on month two since I discovered the faucet after the first month's interest had been paid. However, I included the total it would have on Month 241 so you can see what the impact will be if you start your faucet collecting in month 1. The verdict is that at the end of 20 years, that drip of 0.11 NOTE will grow into 1.17 NOTE, a more than ten-fold increase. This will be true for each drip I collect from that faucet through the end of this month. Basically, whatever I add to my account this month is going to be worth over ten times the amount when I can access the funds

Once I set up my spreadsheet the way I wanted to, I went ahead and set up three more pages to simulate what my earnings would be in a 15 year, 10 year, and 5 year "retirement" account in the DNotes vault. At the beginning I could have just as easily opted for any one of those accounts. The interest rates are different for each account and I took that into account.

The most interesting number in my opinion is the running projected total towards the top which is in blue and is currently 944.14 NOTE. This tells me what my entire account will be worth at the end of its term if I were to stop with the deposits I've made so far. Again, it won't include any earnings or accumulation from faucets paying out directly in DNotes (other than that one drip I included). You can see how that number changes using the same deposits on the shorter term "retirement" accounts. Of course, the really big unknown is what DNotes will be "worth" in terms of US Dollars or other national currencies as well as what we understand today what US Dollars (and other national currencies) can buy. Having over 900 DNotes from faucets at the end of 20 years may represent substantial wealth, or it may not.

You can view the spreadsheet

**here**. I hope you will find it a useful guide in determining if this is an experiment you'd like to do for yourself, and if so, which type of vault "retirement" account you should use. Note that at this time my faucet visiting is very aggressive. Your account's performance is going to depend on how much you are actually able to put into it, especially at the beginning. If you'd like a template in which you can fill out your own numbers, message me with an email address and I'll send you the original excel file.