I like your wish. Now is a good time for it to be granted.

As for being tapped out for investing, enjoy that peace of mind.

As an nudge for something you may already do, I suggest occasionally taking some liquid Steem earnings and flipping them into some higher cap tokens for diversification. With no out-of-pocket expense, it's a good hedge against the fiat you've invested in Steem. Also, as most prices are clearly correlated for now, the purchase power of Steem is somewhat in line with the other coins for nearly level purchasing power. Even $20 a week for a few months can make a big difference a few years out and give you more flexibility down the line.