I've been putting a good amount of my earnings on here into HBD savings. It just made sense at the time. Lately I have been wanting to grow my staked Hive, so I have been focusing more on that. Only after I reached my HBD goal of 100 HBD earned per cycle. Now that I hit that, I just let the compounding each month do the rest of the work. I roll that 100 back into savings and anything on top of that I pull out to power up. It has been working well for me so far. As far as traditional finances. It think there is a fine line between saving all your money for later hoping you are healthy enough to enjoy it, and spending it now while you are healthy. Tip the scale too far either way and you could end up in trouble!