Dripping With Confidence — Simple Rules for Success with DRIP (Part 1)

Translations: Spanish

UPDATE Dec 2022: Much has transpired since the writing of this article, with many forces at play, not the least of which are the severe bear market and the collapses of major Crypto exchanges and projects. With favourable conditions and solid code, protocols like Drip can find short- to medium-term tokenomics that can yield meaningful or even life-changing results for investors — especially smaller investors that don’t have access to traditional investment products. However, if you invest now in Drip, you may not see the results that people were seeing at the time this article was originally written.

Please exercise great caution before investing in Drip or any high-yield DeFi project at this time.

The principles and calculators in this article remain sound and true to the way Drip works, but the price has been in steady decline since March and may continue this way until the market turns around (or possibly forever). If you choose to read on, please keep in mind that the enthusiasm expressed in my writing about Drip a year ago has waned. I considered removing this article altogether, as I feel it is irresponsible to encourage new people to invest at this time, but there is a chance this could turn around and it would be a disservice to remove the only public links to one of the more useful tools for doing your own research and making your own decisions about Drip.

UPDATE Dec 2021: The text of this article has been updated to reflect recent improvements in the DRIP contracts, but the images with specific numbers have not. Basic principles remain unchanged.

Photo by Fabrizio Chiagano on Unsplash

The crypto world is fraught with pitfalls and potential for massive gains and painful losses. The explosion of deFi, NFTs, and memecoins has introduced new levels of drama, and it’s enough to make heads spin. So what is the source of my newfound confidence and peace of mind?

Now there is DRIP. Since investing in DRIP, I am relieved of the stress I had come to associate with crypto — the volatility, the fast pace, the extreme risk. Maybe you’re here because you’ve heard about Drip and want to know more (if so, have a look through Cryptozoa’s excellent collection of Drip articles or Drip Guide’s excellent tutorials and live streams). Maybe you’re already in and you’re looking for strategies to answer questions like this:

• How much DRIP should I deposit, how often, and when?
• How often and when should I hydrate (compound) or claim?
• By when can I earn back my initial deposit?
• What happens to my investment if the price of DRIP rises/falls?
• How can I maximize the total return of my initial investment?
• When will this wallet stop working / blow out / reach its max payout
• How many wallets should I use (and why)?

I hope this article (and the spreadsheet calculators I’ve made) can help you explore how Drip could work for you. All the figures shown in this article are generated with the spreadsheets linked above. If you’d like to experiment with the numbers yourself, please follow the link, highlight all the tabs in the spreadsheet, and copy them to a new spreadsheet. (Update: I’ve just made a detailed tutorial for using the calculator here on youtube: https://youtu.be/VUlzuWH7bl4)

People say Drip is “low risk, high yield” crypto investing, which sounds great. But people also naturally question whether it’s a Ponzi or pyramid scheme — how can it be sustainable and how it is ethical? Usually if it sounds too good to be true, there’s a catch. It is important to me to be able to think of myself as a good, honest person with integrity. I wanted to check it out for myself (DYOR!), and the best way to learn is by doing. So I jumped right in with what I had at the time, which was about a thousand US dollars.

I immediately wrote an article about 48 hours into my Drip journey to document what initially drew me in (daily compounding 1% ROI — WHAT? Turn $1K into $1M in a few years — HOW?) and to help my family and friends to get to the point where they could also experiment with it. I had no idea what was about to happen to my life!

I am a middle-aged former NASA Scientist turned music producer/music technologist who went from no savings or retirement plan and an inadequate monthly freelance income to a sustainable passive income that will pay all my bills (!) by the end of this year(!!). If all goes according to my calculations, Drip will have me comfortably (and passively) earning 6 figures by the end of next year, 7 figures the following year, if the price of Drip neither rises or falls. This was achieved with an initial, one-time USD$12K deposit into Drip and lots of spreadsheets, which I now share with you.

The best part of the Drip story for me is that it doesn’t matter too much whether the price of DRIP goes down — as long as it doesn’t completely collapse under its own weight (mind you, this is always possible in crypto, but I believe it is highly unlikely), the return on investment is very very high. And if the price of DRIP goes up, which is possible, even better. So price has stopped mattering as much to me and I have reached a peaceful place with it all.

So, let’s get into some of the surprising lessons I’ve learned so far.

Rule #1 — More is not better, it’s just faster

Every account earns the same return, regardless of initial amount, given enough time

The maximum you can get out of a wallet is independent of starting amount, given enough time, provided you hydrate sometimes and don’t exceed your max payout before withdrawing all you can.

How much can we squeeze out of 1 little DRIP? The answer is always about 43.6K Drip (before selling). It’s the same amount as we can squeeze out of 100 DRIP or 1000 DRIP.

This means if the price doesn’t go up or down, and if all accounts are hydrated in the same way, more initial investment is not better, it’s just faster. The screenshots below show examples of what the returns would be on a daily, monthly, and yearly basis over a 6 year period with the starting conditions in pink and white. We see that the effect of different initial investment amounts has almost no effect on total net return, but it takes longer for smaller starting investments to reach the maximum cap.

Image Source: Author’s original work

Why does this happen?

This happens because there is a 100,000 DRIP max payout limit on accounts. You will see in the example above that $0.00 appears in the daily, monthly, and yearly return fields once this payout is reached. After this point, the account is effectively dead and cannot generate any further rewards.

So big accounts “blow out” sooner. This can have both positive and negative impact on risk, which we’ll see in a bit.

Rule #2 — More smaller wallets will make an investment last longer but don’t take longer to yield the same result

Net return on investment scales roughly linearly with the number of wallets that you split your initial investment into, if the price remains unchanged for the duration of the life of the wallets. We will get to what happens when the price of DRIP rises or falls next.

Here is an example where we are starting with exactly the same initial investment of around $10,000 / 500 DRIP staying steady at today’s price of $20 for the duration of the life of the wallets. Nothing is different in these three scenarios except the number of wallets.

Look at the numbers carefully and you will see the split investment has identical returns as the single wallet, but whereas the single wallet ends sometime in Year 2, the multiple wallets can keep being hydrated and claimed long after the single wallet would end. This is an important concept to learn, because it tells you how many wallets you may need in order to keep your investment growing in the future, without having to pull out earnings from one wallet and deposit into new wallets, which would cost you much more (19% more) in Drip taxes

Image Source: Author’s original work

Why does this happen?

This is a direct result of Rule #1, which is caused by the 100K hard cap on the maximum payout any one account can reach. It surprised me at first, but of course, it makes sense if you think about it. If any account, regardless of starting amount, can reach $1M (in today’s DRIP prices), then more wallets will allow you to grow your investment longer.

A word about gas fees with multiple wallets

Gas fees are somewhat difficult to predict — they are different at different times of day and vary with the price of BNB (the token used to pay for DRIP transactions), but let’s be conservative and say that every transaction costs an average of $1. In reality, it’s been more like $0.50-$0.80, so this estimate is on the high side. Here’s how the gas fees scale with number of wallets as a percentage of the return you’re getting from the wallets:

Image Source: Author’s Original Work

Why does this happen?

Gas fees are independent of the amount of money associated with a given transaction, so they do not grow exponentially as the DRIP account grows. So the calculation here is just $1 per day per account x number of days the account is alive x the number of accounts. $32K just for gas fees seems hefty, but not really when you compare it to a return of $20.7 Million.

Rule #3 — A wallet’s lifetime matters if prices change

Whether the price is holding steady, increasing, or decreasing, multiple smaller wallets with longer lifetimes can mitigate risk while maximising the potential for gains. There are, of course, exceptions to this rule.

But for the most part, if you’re smart with your strategy, you can get 100% return on your investment within a few months of investing while still growing your deposits and then the rest is profit. Here’s what the scenarios above look like if the prices decrease or decrease by 0.1% daily over the duration of the lives of the wallets.

Image Source: Author’s original work

Image Source: Author’s original work

Why does this happen?

In the scenarios above, the decreasing DRIP price goes from $20 today to $3.88 when the 20 wallets reach their 100K Drip max payout on 3 Feb 2026. The increasing DRIP price goes from $20 today to $102 by the same date, when the wallets reach their max DRIP payouts. Of course, regardless of the US$ price of DRIP, the wallets reach their max payouts on the days predicted by their initial deposit amount/hydration schedules, and the date is not affected by price.

Lesson: Total returns are drastically affected by price changes and number of wallets, but the differences are much more pronounced if the wallets last longer. For the most part more wallets are better (in this case, still a return of $5M over 5 years!). Looking back at the examples in Rule #2, a 20 Wallet portfolio of 25-DRIP wallets grows into a $20 Million return if the price is unchanged. If the price decreases by .1% a day, that return goes down to $5 Million. But if the price is increased by 0.1% a day, the return goes up to $88 Million. Winning!

Rule #4 — Hydration is everything, but claiming is also key.

You might be wondering, then, what to do in the meantime between now and when your account reaches your max payout. How do you ensure you get everything possible out of the account?

The rule is: do whatever you want (within reason, see below) with hydration frequency and claims until your “Deposits” amount reaches about 27,300 DRIP, then claim every day until your 100K max payout is reached.

The answer to getting the most out of your account(s) is hydration, hydration, hydration. And claiming! I have seen a lot of people saying, “I’m just going to hydrate every day for a year and then claim every day until I hit my 365% max payout.” Don’t do this. Let me show you why.

In Drip, there are four ways to stop or slow down your rewards that are accruing and becoming available to hydrate or claim.

1. 365% Max Payout — Reaching a point where your cumulative hydrations and claims exceeds 365% of your Deposits
2. 100K Max Payout Hard Limit — Reaching a point where your cumulative hydrations and claims exceeds 100,000 DRIP
3. Whale taxes — Reaching a point where you have (or could) claim more than 1% of Total DRIP Supply (currently 1M DRIP)
4. Negative Net Deposit Value — Reaching a point where you’ve taken out more than what you’ve put in. This one doesn’t really apply much to the calculations in this article, because all this does is stop referral reward bonuses, which we are not considering here.

So, the hydration schedule you choose is a balance between meeting the timelines of your own financial goals — such as how much of a hurry you’re in to have income — and managing the effects of these four things, such as not letting your claimed reach 365% of your Deposits.

The calculator I’ve made allows you to experiment with different hydration strategies, and I’ve made a template in the last tab with some of the more popular ones that you can copy and paste into the hydration column in the wallets tab. Again, note that a hydration strategy does not change the total amount that you will earn in a wallet, it just redistributes those earnings over time to meet your goals. Claiming early and often does not reduce the amount you can get out (and in many cases means you can get what you need sooner).

My spreadsheet calculator assumes you are either hydrating or claiming once a day and it starts with alternating days until 27.3K DRIP is reached, when it then claims every day until 100K Max Payout. To follow along in the spreadsheet, if there’s a 1 in the Hydrate column E, you are hydrating and your “Deposits” in your Faucet go up by 95% of what’s available. If you are claiming, your DRIP Balance in your wallet goes up by 90% of what’s in your “Available” — that is real liquid DRIP that you can airdrop or sell. NOTE: Whale taxes are deducted from what’s available, and the scenario checks for whether you’ve exceeded your 365% max payout (Column L turns red and available goes to 0) or your 100K limit is reached (Column J turns red and available goes to 0). Here are comparisons between three simple scenarios:

1. Example 1: Fast and Furious — You hydrate every day until your Deposits value reaches 27.3K DRIP, then you claim every day till your 100K Max Payout is reached. This is the fastest possible way to get out what there is to get out of a wallet, given one initial deposit and no referral rewards, bonuses or airdrops.
2. Example 2: The Bad Idea — You hydrate every day for a year and then claim for a year until you reach Max Payout of 365% of deposits and then do nothing else
3. Example 3: The Great Balancing Act — You alternate days of hydrating and claiming until 27.3K DRIP is reached, then you claim every day till your 100K Max Payout is reached. This gets you more money sooner (say, to pay rent and buy food), but still allows you to maximise your long term gains.

Of course, there are infinitely more patterns of hydrating and claiming that you could explore — please do so in the calculator! Here’s what these three examples look like if the price of DRIP stays flat, then if it decreases, and then if it increases.

Image Source: Author’s original work

Image Source: Author’s original work

Image Source: Author’s original work

Why does this happen?

You can see here, too, the impact of wallet longevity if the price increases or decreases. If the hydration strategy is as fast as possible, as in the first example, the net return is about $5M, but even if you go twice as slow, as in the 3rd example, the net return is the same — around $5M — if the price is flat.

However, if the price goes up, even by the relatively small amount of 0.1% per day over time (increasing modestly to about $102 in 5 years), the account that last longer sees considerably higher gains to $16.5M versus the $10M gains of the fast and furious hydration schedule.

The flip side of this is that when the price is decreasing, the slower hydration schedule loses out by about half a million dollars.

The law of compound interest is a never-ending source of wonder and awe, and I derive great pleasure out of experimenting with these spreadsheets, but to explain the multidimensional phase space of parameter sensitivity here is probably beyond the scope of this already way-too-long article. I would suggest if you want to understand it, get yourself a little DRIP ($50 will get you in the door and keep you in for a long time) and the spreadsheets and have a go.

Part 2 of this article will summarise the additional lessons I’ve learned from the 2-tiered version of this calculator where referral rewards come heavily into play. The rest of this article contains step-by-step instructions you can use to get into DRIP if you’re new to it.

How To Get Started With DRIP

Before you can invest in DRIP, you will need to make sure you have:

1. A crypto Wallet — MetaMask, Binance Wallet, or any WalletConnect-compatible wallet such as Trust Wallet. This can either be on your phone or an extension in your browser downloaded from your browser’s web store, such as the Google Chrome Web Store. I find it more reassuring to do all this on a laptop, but I’m old fashioned. Find your own flow. I use Binance Wallet for everything Drip-related for reasons I’ll share below.
2. A buddy! You can only join the Drip Network if you have an invitation, so you’ll need a buddy referral address. Here is a good one to use if you want to join an active team with a good understanding of Drip strategy, here’s a referral address: drip.community/faucet?buddy=0x3715751537532F3698c0c4f853b92f8A2757335F. If you do decide to use this buddy address, be sure to find us on Telegram so we can help! Drip is a great community.
3. Money! In this article, we will take you from the beginning through getting fiat currency like USD or Euro into some kind of crypto, then into BNB. It will be good if you can start with the equivalent of at least about USD $50. This will buy you (at the time of this writing) about 1 DRIP with a little bit of BNB for gas fees. You will eventually be dealing with at least three flavours of tokens regularly in a fully functioning DRIP account, so you might also want to read a little about these:

• BNB (BEP-20) — BNB makes the faucets run! Funds in the form of BNB (BEP-20) on the Binance Smart Chain (BSC) Network are used to pay for each DRIP transaction — that is, gas fees for calls to the Drip smart contracts come out of your wallet’s BNB balance. You won’t be able to do anything in DRIP without BNB. Getting BNB in the USA is harder than it should be because the USA is geo-blocked from Binance.com and some states are even blocked from Binance.us. So we’ll give you some tips in this article on how to get BNB.
• DRIP — Everybody’s favourite coin!
• bR34P tokens (Optional) — If you think you might want to reap the rewards of anyone signing up under you, you will need to hold BR34P tokens in your wallet. bR34p is on the Binance Smart Chain Network and should sit in the same wallet account as your BNB and DRIP

Important notes:

1. There are two different Binance blockchain networks: the Binance Chain (where BNB are BEP-2 standard tokens) and the Binance Smart Chain (where BNB are BEP-20 standard tokens). THEY ARE DIFFERENT! We will be using the latter Binance Smart Chain, but the first annoying thing one encounters when trying to do all this in the USA is that binance.us only allows you to send BEP-2 BNB (not the BEP-20 BNB compatible with the Binance Smart Chain that we want), so it’s not immediately obvious how to get funds onto the Binance Smart Network in the United States. You can either have a friend outside the states transfer BEP-20 BNB into your wallet from binance.com, or you can follow the steps below to get BNB across from one blockchain to another (in our case, we’ll jump chains from the Ethereum Network to the Binance Smart Chain Network). If all this makes your head spin, there’s a lovely article here by Ivan on Tech that breaks it all down.
2. The way the developers of Drip seem to be thinking and presenting the Drip project is as a game that is played by teams, rather than individuals, so there are rewards associated with various team activities. These can massively increase your return on investment, but they are not necessary to get the benefits of 1% compounding daily interest. A solo account can be a winning account and will turn 1 DRIP into 100,000 drip given enough time without any team play.
3. That said, team rewards and referral bonuses are AWESOME. Be aware, you need to hold at least 2 Br34p in your wallet to be able to earn rewards from people below you in your Drip Network. More info on this can be found in the Drip lightpaper here. Note that if someone joins Drip using your buddy code and you don’t hold at least 2 Br34p, the 10% of their deposits that would have automagically gone to you instead go to the next person upline from you. There are instructions for buying bR34p at the top of the drip website.

Preparing to Buy DRIP with BNB (BSC)

How to get BNB into your MetaMask wallet on the Binance Smart Chain (BSC) Blockchain Network:

Step1 — Make sure your wallet can point to the Binance Smart Chain.

• Binance Wallet — Binance Wallet already includes Binance Smart Chain. GOTO Step 2.
• Metamask: Add the Binance Smart Chain Network to your MetaMask wallet that you plan to use with Drip. If you don’t already have a wallet, create a new one — I created a new account specifically for use with Drip so I wouldn’t get confused. Then follow the steps in this guide to add the BSC Network: https://www.bsc.news/post/connecting-metamask-wallet-to-the-binance-smart-chain (Network Name: BSC Mainnet; New RPC URL: https://bsc-dataseed1.binance.org/ or https://bsc-dataseed2.binance.org/; ChainID: 56, or 0x38 if 56 doesn’t work; Symbol: BNB; Block Explorer URL: https://bscscan.com/)
• Trust Wallet: Trust wallet can also already swap BNB to the Binance Smart Chain, so if you’re using Trust Wallet, you can also GOTO Step 2.

Step 2: Buy BNB using your fiat bank account

• on binance.com — binance.com is not available in the USA, but if you’re in a country where you can open an account on binance.com and get your fiat bank account verified, this is the simplest way to buy BNB. Follow the instructions on binance.com to get verified, go to “buy crypto,” buy about 0.1 BNB, and GOTO step 3!
• on binance.us (fiat verified)—If you’re in a state in the USA that supports binance.us, this is the second easiest way to get BNB. Either get your fiat bank account verified on binance and buy BNB directly on binance.us
• on binance.us (not fiat verified) — buy any coin (e.g. Tether (USDT)) on any other exchange like Coinbase and send to your binance.us Tether address. If you’re really new to crypto, you might need to Google how to buy crypto, but here is a basic process: to deposit USDT into your binance.us account from Coinbase, navigate in binance to “deposit,” click crypto, type in USDT, then copy your USDT address (you’ll want to use the Ethereum blockchain option here). Then go into Coinbase and click on your Tether, click send, and paste in your binance USDT address and hit send. Once the USDT arrives in your binance.us USDT wallet, then you can use the “trade” option on the binance.us website to buy BNB.
• outside of Binance — There some different pathways that have worked for folks, and the Telegram groups are treasure troves of advice for this, but here is a path that has worked for many people:

1. Buy BNB on an exchange — For this article, I downloaded TrustWallet from the mobile app store, installed it, found my way into the “Buy BNB Smart Chain,” verified my identity, and successfully purchased BNB (already on the Smart Chain). This is SUPER easy, but also pretty expensive in terms of fees (I got $46 worth of BNB for my $50). Otherwise, just be sure you know which kind of BNB you’re buying — regular BNB is OK, but you’ll just have to take an extra step for it to be useful in Drip-land. Some other exchanges that sell BNB are: KuCoin, and crypto.com, but I haven’t tried these, so use at your own risk.

2. Convert BNB (BEP-2) to BNB (BEP-20) — This step can also be tricky and dangerous! This article detailing different methods for converting BEP2 to BEP20 was super helpful to me in this step! What we’re doing here is the final step of bridging from one blockchain to another to convert BNB (BEP-2 on the regular Binance Chain) to BNB (BEP-20 on the Binance Smart Chain) — If you’re in the USA, this is also really tricky. If you’re outside the US, this is easily done on binance.com by choosing “BEP-20” when you send your BNB to MetaMask Binance Smart Chain wallet. How I do this important step has evolved. Again, people in many states have reported being able to use TrustWallet with good success. I recently discovered that in Oregon, I can use the Binance Smart Bridge directly if I install the Binance Wallet extension in my browser. So If I send my newly purchased BNB (BEP-2) funds to my Binance Wallet, I can then cross bridges easily within the Binance Wallet. This is the least expensive solution I’ve found.

3. Finally, if it’s not already, send your BNB (BEP-20) to MetaMask or whatever wallet you plan to link to Drip —If you’re going to use Binance Wallet with Drip, you don’t need do anything more. If you’re going to use MetaMask with Drip, point your MetaMask wallet to the Binance Smart Chain Mainnet, copy the address of your wallet, and send the BNB (BEP-20) to MetaMask! Now you’re ready to buy DRIP!

In summary — here are the steps required in the United States to get BNB on the Binance Smart Chain if you can’t buy BNB directly with Fiat:

1. USD$ to TETH via any trusted exchange, goto step 2; OR UDS$ directly to BNB (BEP-20) and go directly to step 4; OR any existing coin to BNB using whatever other exchange works for you and go to step 3
2. TETH to BNB (BEP2) via trusted exchange like binance.us
3. BNB BEP-2 to BNB BEP-20 via Binance Wallet (or Trust Wallet)
4. BNB BEP-20 to BNB BEP-20 in MetaMask or Binance Smart Chain wallet to get ready to connect to drip.community.

How to Buy DRIP and put it in your Faucet

You can buy DRIP on Pancake Swap, but you will pay a 10% tax there to buy it that you won’t pay if you buy it on the Drip website. So this article tells you how to buy it on drip.community.

• Before you do anything, make sure you have your buddy’s referral address handy. If you don’t have one, consider using my buddy address: drip.community/faucet?buddy=0x3715751537532F3698c0c4f853b92f8A2757335F that I mentioned earlier so you can be a member of my team: or pop over to the telegram links at the bottom of this article and find a different buddy! The Cryptozoa team is another place full of knowledgable and helpful people. A person’s buddy address is just their BSC wallet address that is linked to their Drip account. Once you make your first DRIP deposit, you can’t switch buddies, but you can always make another wallet!
• (Optional) Peruse the original article from Scott Debevic that I used to get started and/or this excellent getting started guide by Catalyst for more helpful instructions!
• (Optional) Watch this tutorial that’s linked from the top of the Drip website

1. Connect your MetaMask or Binance Wallet to the drip.community website— Point your MetaMask wallet to the Binance Smart Chain network and then click on the “Connect Wallet” symbol at the top of the Drip website. NOTE: If you get a “wrong network” error in Drip, make sure your MetaMask wallet is pointing to the Binance Smart Chain network, not the Ethereum network.
2. Click on the “Swap” tab at the top of drip.community — this will take you to the Drip Fountain.
3. Buy DRIP — The website will show you how much BNB you have available to use for purchasing DRIP. IMPORTANT: Don’t convert ALL your BNB to DRIP; be sure to leave at least 0.01–0.05 drip in your BNB Balance to handle DRIP transaction fees for a little while. The DRIP you purchase with your BNB will show up in your DRIP balance on the DRIP website and also in your MetaMask account, but you haven’t put it into the DRIP Faucet yet. Note, if you can’t see the DRIP you bought in your MetaMask wallet, click on the “+” to add a token, and go to “Custom Token” and add the Drip Contract in the address field: 0x20f663CEa80FaCE82ACDFA3aAE6862d246cE0333
4. Deposit your DRIP into the Drip Faucet —Go over to the “Faucet” tab on the drip website and click deposit. Your drip will now show up in your “Deposits.” This transaction costs BNB for gas fees, so Your immediate upline gets a nice 10% deposit directly into their account when you make this first deposit. IMPORTANT: It’s important to understand that when you deposit your DRIP into the Faucet, it will be gone (like REALLY gone), and you won’t be able to withdraw it directly back out of the Faucet right away. You will be able to earn it back, but only 0.09% a day. You can grow the amount to generate a higher daily amount available by compounding (hydrating).

Community and Resources

From what I’ve seen so far, the Drip community are really nice folks. Please do consider getting in touch with the community on Telegram by joining this group and introducing yourself: https://t.me/DRIPlifestyle. There are also many other Telegram groups to benefit from, including tech support.

• Tutorial for using the calculator: https://youtu.be/VUlzuWH7bl4
• There is an incredibly rich and informative set of YouTube videos on Drip Guide’s YouTube channel here: https://www.youtube.com/user/bbdsan
• The main Drip Telegram group is here: https://t.me/DRIPtoken_Chat
• And on twitter: https://twitter.com/DRIPcommunity

Happy Dripping, everyone! ❤

Disclaimers: Under no circumstances should any of this information, as detailed as it is, be taken as financial advice. I’m not a finance professional and so far most of these numbers are purely theoretical. Mileage may vary. While I think the numbers are accurate and the principles and equations are sound, there could be mistakes in the calculator or other factors I haven’t considered. If you find any major errors, I might just send you some DRIP as a thank-you. At the time of writing this article, I am less than two weeks into my Drip journey, so I am still learning. Feel free to drop gems of knowledge in the comments, and please be kind.