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Hive and Leo Power up and delegate... Rest other altcoins sell shor term, sell take out profit. No more HODL. Only if I hodl after all profit zones would be bitcoin and eth, that too only if I stay profitable for 6 months or so.. otherwise aggressively all out..

Is there any plan to utilize the $HBD savings or rather withdraw to cash?

For now just powering up for safety net.. but HBD most likely be used to pay debt.. once I am out of paying bills cycle I may consider HBD savings.. and also BTC and ETH for next cycle of emergency fund if they come like pandemic times..

Sounds like you have a plan!