Nice work. I really like your approach - it's sensible and realistic. More importantly, you look at it holistically rather than just focusing on Hive or crypto. There's no point investing in HP if the earnings are outweighed by credit card debt.

Something I'd look at is how much HBD you are having to take out to spend on "real world" things each month. If it's just a few dollars, do you have the resources to build HBD up to the point where you're pulling out just interest, not reducing the capital ?