Quote from: bitmover on July 22, 2025, 11:26:32 PM

Quote from: JayJuanGee on July 12, 2025, 05:17:07 AM

Some kind of a button sounds good, and I know that the way that I have been describing how to do it is different from what currently shows on the website, even though I personally can still figure out what I need to figure out, but it may well be a good way to toggle and to see if that actually ends up addressing my concerns.

I have been thinking about this button, but I am not sure how to do it.

As you will always withdrawal based on the 200WMA price, not spot price, there isn't going to exist any calculation, and you will always withdrawal the fixed amount ? Like the 6% per year?

Maybe we have to talk it through in regards to what the formula currently is and what it would be for some kind of a toggle tab? Of course, I would want the toggle tab to be the default, but it could be possible to toggle back to a BTC-based version rather than a version that is based on the 200-WMA dollar valuation.

If we need to do go through these kinds of potentially confusing details privately, that would be o.k. with me, too.. At the same time, I don't mind going through it publicly as long as it does not become overly confusing, since guys can would potentially be able to see what the dilemma is and why I am concerned about the current way that the tool is calculating the monthly withdraw amount.

Currently, we have a formula in the tool that looks at the total number of BTC that the user had put in, and then it looks at the selected withdrawal rate, so then it gets the annual withdrawal rate, and the monthly withdrawal rate is 1/12 of the annual withdrawal rate and so strictly based on the number of BTC and the withdrawal rate the guy selected.

So as of today if a guy were to have 15.904 BTC (which is a spot price value of $1,907,777.04 and a 200-WMA valuation of $800,000.11), and withdrawing at a 10% annual withdrawal rate, the monthly withdrawal amount would be 0.1325333 BTC, which currently has a spot price dollar value of $15,898.

Based on the 200-WMA that is valued at $800,000.11, I am shooting for a withdrawal rate of $80k per year (which would be $6,666 per month), so the toggled setting would perhaps be described as "dollar value of 200-WMA" and so it would still calculate the total number of BTC that the user inputs and the 10% withdrawal rate that the user had also inputted, yet for the monthly authorized withdrawal output, it would look at the 200-WMA dollar value of $800,000.11 and it would put multiply that by 10% to get an annual rate of $80,000.01 and divide the results by 12 to get $6,666.67 for the authorized monthly USD withdrawal rate. Then in order to calculate the BTC value it would take $6,666.67 and divide that by the current BTC spot price, in this case $119,955.80 and get a monthly BTC withdrawal of 0.05557603 BTC.

That is quite different results for the toggle, and the rest of the formulas would stay the same to toggle between the current formula which calculates based on the 10% of the BTC quantity and divides by 12 to get the monthly BTC withdrawal amount and the BTC amount authorized based on the current spot price.

The new 200-WMA dollar value toggle, then the formula would calculate the inputted BTC quantity and the inputted withdrawal rate based on the dollar value of the 200-WMA so calculate the dollar value divided by 12 for the monthly rate and then the BTC quantity based on the current BTC price.

I know that I said it twice, so hopefully it is making some sense.

Surely one variation is to have some kind of a toggle, yet another variation would be to ONLY put my new version in there since my new version has been the version that I have been talking about for quite a bit of time (perhaps around a year or so I came to the realization).

I think that the current calculation ends up with misleading results that cause a need to adjust the withdrawal rate way lower than it needs to be in order to reach similar result of around $6,666 per month withdrawals for 200-WMA BTC valuations that are $800k.

So even though we had this current formulation in place for right around 1.5 years, I had not realized that the website is calculating it differently from how I have been talking about it so in some sense providing potentially misleading results that confuse the points that I am wanting to make in regards to trying to carry out sustainable withdrawal practices based on the dollar valuations of the 200-WMA..