Bad, bad advice. There's never any good in interest. Allah has forbidden interest but allowed trade.
First, you stack Sats for a year or two, then you start spending a certain percentage of it each year. You’ll still have enough left over. “Enough” is the key word here, not the mathematical optimum. If you're chasing the mathematical optimum, there are other, more ruthless ways to do that, but that's not the point here.
https://bitcoincompounding.com/This is the cleaner approach.