https://www.wolframalpha.com/input/?i=y+%3D+10000+*+0.99%5Ex%2C+y+%3D+1000 https://www.wolframalpha.com/input/?i=y+%3D+10000+*+0.99%5Ex... It will then take sl

https://www.wolframalpha.com/input/?i=y+%3D+10000+*+0.99%5Ex%2C+y+%3D+1000 https://www.wolframalpha.com/input/?i=y+%3D+10000+*+0.99%5Ex... It will then take slightly over 229 years until the multiplier has shrunk from 10,000 to 1,000. After another 229 years the multiplier will have shrunk another order of magnitude, from 1,000 to 100. And it makes sense mathematically that if it shrinks an order of magnitude in the first 229 years then it will shrink another order of magnitude in the next 229 years. https://www.wolframalpha.com/input/?i=y+%3D+10000+*+0.99%5Ex%2C+y+%3D+100 https://www.wolframalpha.com/input/?i=y+%3D+10000+*+0.99%5Ex... As a layperson this seems reasonable I think. But I also think there is no "right" or "wrong" in this case, and it will boil down to personal views.