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The steps option has a way higher ceiling and can give you significantly more money when you need it most (i.e. early in this scenario). The breathing one will probably net you more money in the end, but that would likely be when you already have a huge excess and it doesn’t matter much.
The steps option has a way higher ceiling and can give you significantly more money when you need it most (i.e. early in this scenario). The breathing one will probably net you more money in the end, but that would likely be when you already have a huge excess and it doesn’t matter much.