For me I have been working hard for the last year to get out of the rat race and trading hours for money. The pandemic turned out to be one of the best things for me. I was able to re-focus on a lot of the things that were important to me, and in return I have been able to land a couple of great projects, etc that have put me back on track.

See, before the pandemic I was trying to do the same old consulting thing AND change everything at the same time. When the pandemic hit a bunch of different things started to happen and then, in the middle of it all I had a client fire me on a project. 8 months later I don't really know why they let me go, and they didn't have a back up plan so the project is still just floundering along. So, when I lost my only cash income, had a new baby in the house I needed to figure shit out and fast. We leaned on our line of credit and I hustled until I landed some projects and have a funnel of new work again.

This hustle has been great for the bank (we will have emptied the line of credit for at least a week today!) but not great for the mind. So we are saving keeping our spending to a minimum, saving all the cash that we can so we can have a 6month cushion, and start saving for the future.

I'm not as confident in the world of crypto these days as it is taking WAY to long for services that reely on it to be something that I could recommend to my grandmother with a newish cell phone. If its not something that the general public can use the value is speculative. I really thought that we would be have the option to pay with BTC or the like for regular things in the world by now, or at least as a way to pay for fully online insurance, cloud products, etc.