When it comes time for me to learn and convert to Fiat to spend and play with, the only part that will be used will be the non-auto powered up stuff. Right now HBD, in the future we may get Hive payouts again also. I would hope I would also have the stamina to put 10% of the liquid earnings into savings, thus increasing my continued account growth potential while still taking some out. But that is thoughts for another year.