Saving is good but when your savings gives you 20% apy is something we must not take lightly because is a once in a lifetime opportunity. That is have been buying hbd and saving it up for this reward. At the time I have 12k hbd and I used 90% of it to buy hive when the market was down, even though I did not buy at an all-time low I believe I make the right choice by choosing hive over hbd.
I started rebuilding my hbd back a few weeks ago because I believe if can save enough hbd the payout every month is enough for me to live on and I might not need any reason again to touch my hive power with this strategy going to easily for me to invest.
Have been gathering every little here and there I receive from the hive and also the little I make of chain and now I am almost at 900$ which is not bad by the end of the year my goal is to reach 3k by then I just hope any emergency will not spoil the plan.
I believe anything below 50 cents is a very good buy for the hive, my focus, for now, is hbd but if any opportunities showed up in the hive in the coming weeks I'm buying the hive again with my hbd savings. Hive is for the long term but hbd is better using it for short-term purposes.