Sorry, I should clarify. I'm only estimating a 20% increase for the next 3-6 months. Past that, it's darn near impossible to even estimate what it will be like. My numbers will be off, but I'm trying to go high, so I don't oversell myself, and set myself up for disappointment.
Ah, that makes more sense. That said, I couldn't agree more...it's better to figure out how you'll do when the difficulty is really high. As long as the difficulty remains under your prediction, you'll be good to go.