@johnjohn123
Then we are back to my original point!!
If you have $5, $10, $15, $20, $25 in your Choices definition in your SharePoint list, AND you are allowing write in values. Then when someone Submits a value of, say, $100, then your Choices definition will become $5, $10, $15, $20, $25, $100.
Likewise, if another user submits $200, then your choices will become $5, $10, $15, $20, $25, $100, $200
SO, how do you expect to distinguish the value that was entered as it is NOW part of the standard Choices? It's not possible as you would never be able to figure that out in any formula. Unless you are recording that somewhere else in the record, then how could you (looking at the last list of choices above) be able to say "this record's value was $100" or "this record's value was $200"??
I am sorry if you are trying to state something else and I am not following, but this is what I am getting from your descriptions and how things work.