Great breakdown, George. The four-plan structure is a solid way to keep Hive gains separate from traditional retirement assets without losing focus on either.
To answer databaron’s question: I’d guess the low stablecoin allocation (0.27%) vs. high cash savings (78.93%) is intentional for flexibility. Cash in a bank account is instantly accessible and FDIC-insured (or equivalent), whereas stablecoins carry smart contract risk and exchange risk. For an emergency fund, he likely wants zero counterparty risk. Stablecoins are better for active yield farming or quick DeFi moves, but not necessarily for the "sleep well at night" portion of his portfolio.
Hitting 161K HP out of 550K is serious progress. That monthly step program requires discipline most people lack. Maxing out all Common and Rare reward cards in Splinterlands is also a big milestone — Epics are much harder to grind, so shifting focus there makes sense.
The split share accounts are smart insurance. Broker bankruptcies are rare, but they happen, and having two separate custodians removes single-point-of-failure risk.
Keep pushing those steps!
RE: My financial independence story - Crypto adventures - 2026 - Week 43 (SlothlySavers edition)