Seriously, How TF did people get 40K coins? I'm just a filthy casual trying to see some fun stuff. I've been around but I'm not cool enough or funny enough to get the likes required to get to P4. This is super disheartening.
Time. No more. No less. I'm copy / pasting a chart I made for all the times this question comes up. Put your LC in the bank.
Starting at 50 LC
End of Month 1 = 90 LC
End of Month 2 = 160 LC
End of Month 3 = 290 LC
End of Month 4 = 530 LC
End of Month 5 = 970 LC
End of Month 6 = 1,700 LC
End of Month 7 = 3,100 LC
End of Month 8 = 5,700 LC
End of Month 9 = 10k LC
End of Month 10 = 19k LC
End of Month 11 = 34k LC
End of Month 12 = 62k LC <----P4 at full price (with wiggle room)
End of Month 13 = 112k LC
End of Month 14 = 204k LC
End of Month 15 = 370k LC
End of Month 16 = 671k LC
End of Month 17 = 1.2m LC
End of Month 18 = 2.2m LC
End of Month 19 = 3.9m LC
End of Month 20 = 7m LC
End of Month 21 = 13m LC
End of Month 22 = 23m LC
End of Month 23 = 42m LC
End of Month 24 = 77m LC
Yes... I went to 24 because. Put in 10 posts and never post again. Then, once per day, spend 2 minutes to collect interest and forget about it for 23H 58M.
Think of it like daily brushing your teeth.
If you skip a few days. Oh well. It's month 13 instead of 12. If you post more than 10, it's a lot less.
If this isn't worth 2 min a day for you, then it's not worth it. I'm not gonna make that decision for you. There are alternatives. Plenty of mentioned them.
But this is the price to be on LC. Buy it... or don't. The choice is up to you.