youre right. I think for me, I'm feeling like I don't have enough for meaningful gains. I've let go of too much hive/hbd over the last couple of years but lessons learned. I sure hope HBD can continue to exist with an apr, I don't even care if it is 20%. As long as it is something. I would be awesome to draw from instead of social security. I have 11 more years to stack lol

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