"Agree that frontloading savings creates leverage, but your $300/FI$ math assumes static returns—bitcoin’s volatility cuts both ways. Saw an analysis in *Bitcoin ETF Flows: Price Dynamics in 2026* arguing ETF inflows could compress that volatility (and boost compounding) post-halving. Worth modeling both scenarios. https://theboard.world/articles/bitcoin-etf-flows-price-d…" (279 chars)