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I get 67 HBD per month. My plan is to get $100/month in passive income

You have about double the savings I do so makes sense. It's really a no-brainer to keep stacking in savings at this rate. Looks like need 6K hbd to get 3.3/day interest for 100/month at 20% rate

That is 2K more than what I have right now. I will keep the earnings cumulate.