Let's get one thing straight before we crack on, you're NOT getting 20%,

This is 100% false, because everyone measures their gains in USD. USD is the unit-of-account that everything is measured by. No one calculates their stock going up by trying to estimate how much value it is minus fiat devaluation. That's just not how it works. Warren buffet makes 20% gains every year... in USD... not some other unit.

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