It's Saturday and normally I would be doing a Saturday Savers Club post but, for the first time in four years, I'm having a week off.
I wanted a bit of space to think about my own plans for next year and check that I had most things in place, if not the fine detail.
During 2024, I've put in place my kitty for 2025.
My original idea was to recover my fiat investment in 2025 based on my sell price. Now I've extended my idea to 2026 when, with any surplus, I'll buy back into HIVE when it reaches my buy price.
I've learned a lot from holding SPI tokens and following how those funds are managed. I'm not too worried about the top and the bottom: I've set the buy and sell prices that I'm comfortable with and which will achieve my plans.
It's interesting how, once you start saving for what seems to be an almost unobtainable goal, although it can be a struggle at the start, before you know where you are, you've reached it and a new goal and new opportunities are opening up before you.
I'm mainly a set and forget person and that seems to work for me. I have put a small amount of liquid HIVE aside to learn how to do some small trades where you make a little each time. Just for fun and to develop my skills and experience.
One idea that came up recently was about buying $100 worth of Bitcoin and watching what happens to the price over time, starting to buy again when the $100 purchase is worth $50. That's an interesting experiment that I'm going to try.
I like HBD, I'll continue to use it for short-term savings and holding funds that I have other plans for mid-term. I'm contemplating whether to maintain some long-term funds in HBD: I'll review that later.
I hold about 11% of the SPI investment and growth token fund. I may grow that a little if there are opportunities, but I'm also quite happy with what I have (my original plan was to own 10% of the fund). I like SPI because the funds are managed and I don't have to think about should I buy this or sell that.
I plan to hold 2.5% of the EDSI fund when all the tokens are distributed (about seventeen or eighteen years or so for the miners). I've boosted my accumulation in 2024 through delegating to 
SPI and EDSI provide weekly dividends or income in liquid HIVE. I think both of these are going to come into their own over the next two to five years. EDSI is a forever income, of course.
The big challenge for me this coming ten or eleven months will be not getting bored. Most things are in place and it's a question of waiting. I'm going to have a few small savings/learning goals like the HIVE trades and watching Bitcoin to keep me busy and prevent me from making any wild moves.
To be fair, I also have plenty to keep me busy off-chain!
