# Tips & Strategies

Canonical URL: https://torturado.github.io/tips

## Beginners

- Start with gems you do not need right away.
- Use the calculator to set a first milestone, such as `10%` above your current balance.
- Check progress regularly and reinvest gains to maximize compounding.
- The page highlights rough growth examples at `0.50%` daily:
  - about `4.6%` after 1 month
  - about `30%` after 6 months
  - about `71%` after 1 year
  - about `240%` after 2 years

## Intermediate

- Use `Goal Gems` and `Additional Gems` to plan milestone targets.
- For short-term goals, increasing the deposit matters more.
- For longer horizons, time in the bank matters more.
- The page notes a "Rule of 139": at `0.50%` daily, gems roughly double in about `139` days.
- If you need withdrawals, the guidance favors withdrawing interest rather than principal when possible.

## Advanced

- Run multiple scenarios to compare starting balances, durations, and targets.
- Use threshold planning to estimate when balances cross major rank milestones.
- Partial-reinvestment strategies can combine withdrawals with continued compounding.
- Billion-gem strategies focus on daily income, split goals, and long-horizon planning.
- The page's "Infinity Strategy" frames the end goal as reaching a principal large enough that daily interest covers spending while the base balance stays intact.