THE NEW MONEY RULE SIMPLIFIED
The New money rule introduced is for sustainability of the MMM system. The New money rule is put in to ensure control of payment.

THE RULE EXPLAINED PRACTICALLY
When you have a new PH you get the normal 30% from 2017 and also 10% defrost from 2016. After which you GH it. When you PH again you would get the normal 30% from 2017 but you wouldn't get the full 10% on your PH but you would get a cut down of your % of your new PH less interest/gain from your previous GH.

A GOOD EXAMPLE
If you PH 100,000 you would get 30,000 from 2017 plus 10,000 defrost from 2016. Total is 140,000.

After you GH this 140,000 and you now PH a new 100,000 you would get 30,000 from 2017 and for the defrost you would get 10% of {100, 000 - 40,000} = 6000.

TO ALWAYS GET THE FULL 10% DEFROST
Now in order to get the full 10, 000 instead of 6,000 from the example above you would have to PH while your previous PH is still growing and you would get the full 10,000.

That is when your first PH is still on and you have not GHed it yet you would have to PH again to get it full, but if you wait and GH before PH then you wouldn't get it full.

For sustainability
Many wouldn't want to lose the 10% from 2016 so you would have to always PH before GH is due. Therefore there is sustainability as people keep on recycling everytime and the system would last for a long period of time.

Always remember MMM is patient, patient is MMM

PH (pledge) your spare money and smile to bank after 30days.