I think you are doing right. What's the point of staking and holding forever if you can't use some in rainy days and emergencies? I feel in that context some of the time you have to take out to meet your needs. I would do the same if I had that scenario. I have to also agree that one has to put in effort to be in this position eventually.
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That's why Bitcoinflood's post hit me! What's the point....Are we just sitting here looking at things, and watching it grow...Or do we actually use it for every day life!