Thanks for writing a detailed response to my questions. Hive has changed in recent years with some of the second layer projects such as Splinterlands and Leo Finance (and many more to come) providing the bright future for Hive and even going as far as outperforming Hive itself but I think this was the idea of SMT's in the first instance. I would have never in a million years predicted that Splinterlands was going to be the success it has been. I am not overly optimistic on the future of crypto as a currency but I do think it can be a game changer when it comes to gaming and professions such as accountancy. My worry is around Hive as a platform as alternative social media. We all migrated over from Steem on our little boat leaving some behind such as @exyle heading into the unknown a few years back and now we all don't mention the platform that made us all what we are today. Like an ex girlfriend in a bad breakup . I. migrated over completely myself but what if something like that happens in Hive like in Steem in a couple of years and we have to move house again. Crypto is so volatile we never really know what is going to happen so I cannot trust any platform longevity completely. I think we are all so in love with this platform that an element of groupthink slips in and we think it is going to last forever. So the when to cash in some of the earnings should be in everyone's mind. You and a few others have stuck it out and built a great account through hard work and dedication which you should be proud of. In truth cashing out would upset you (and me) as it seems like it is throwing away all that work over the years. However ,if you wrote off your mortgage with the cash out, would that be enough for you? Your wife would be ecstatic I would think it would for me. You can always keep writing and you have that skill now. The best case scenario for those embedded in the platform is to make so much passive income that it dwarfs your "real" job. So much so that you can quit your job and work on Hive full time. That would probably be the dream which will hopefully come through. For you , along time before me. 😀