also to be clear inflation only shirnks your debt if inflation % is higher than your interest rate %, which will never happen unless you are really lucky and the banks stuffed up.
no no no no no...
You're not allowing for compounding affects BG. In any one year, yes, inflation would need to be higher than your interest rates.
But the affect of the inflation compounds. The interest rates do not compound.
You pay interest on the same amount of money the entire time.
It is this compounding affect that seems to be going over your head.
