Currently when I earn HBD, I convert enough to have 10 Hive for Hive Power Up day on the first of the month. The rest of the HBD I put into savings. I need to build up a cushion there so that I receive enough interest that I could take some of the interest and invest in other projects.
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I tend to use hive-engine tokens to have some spare Hive for the HPUD :-). So I can put more HBD into savings :-)