Hi, there! It's interesting what you say. It's very likely that you know what country I'm from, and if not it's very easy to see it in my profile. Unfortunately, many people around here see Hive only as a means to get some extra income. It's not my case and since I started my goal has been to build my account, and all my liquid rewards were powered up for a long time.
Now in the last few months, I have had a more similar approach to the user you mention. My priority is still to grow my account, and I have set myself goals in this regard, but real life sometimes has unexpected needs and for that, I have used some liquid rewards. But my position as far as possible is to reinvest and that way we all win at the end of the day, which is what it's all about, right?
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I do know yes, but didn't know you were also splitting your earnings between real-world and growing your account. I respect that and feel it is a good balance, as I have said in this post about the other user.
I know people who complain about not having as much Hive staked as I do, but then they took all of it out over the time. Some have been around even longer than I have. Had they applied a better strategy though, maybe they'd have more of a balance. But some of those needed those funds I guess. That doesn't excuse low-effort posting and posting many times a day. That's farming and if I see it I'll zero out the rewards as it takes away from the legitimate users doing the right thing.
I could easily take my Hive out and buy something, but I don't need anything and so don't see the point. I have a job and that provides for my life, here on Hive I continue because I enjoy it. If the rewards amount to something down the track that affect my real-world life then so be it. If not, then not. It's a simple thing. In the meantime I'll stake it and enjoy my time here.