@TrevorGoodchild @Hertz @BattleDwarfGimli @PraxisOfEvil I think you can explain it well to even 95IQ when you present it well. I think it takes +1 to abstractly apply it to "should I do this"

Video games like minecraft model compount interest in how grain is grown - put x seeds in get x*1.05 seeds out at time t+20. Most people will get it that if you want to be growing 40 wheat you need some time, and you'll start getting more "free" seeds as time goes on.