Lol, I appreciate your reply, but it's like Einstein talking to a squirrel. I'll try to wrap my brain around it a bit more when I come back from work, maybe I can get closer to figuring it out. Thanks!
I don't understand the math either, but the concept is simple: http://www.math.ucsd.edu/~msharpe/stockgrowth.pdf This one is a little easier: https://financetrain.com/why-lognormal-distribution-is-used-to-describe-stock-prices/ In layperson's language, the mathematicians found stock price could not go negative and a normal distribution does go negative, so they use a lognormal distribution as a better representation since it cannot go below zero. In real life, stock prices do not behave lognormal most of the time but for the math geniuses, by using it they can work out various formulas to describe financial concepts. I don't think I make any sense.