Congratulations. HBD is returning 1% per month so I would try to build a decent buffer first before making any changes. At least this way, you have some funds to make changes for anything unexpected that happens.
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Of course I am trying to build it, but if there will be unexpected bad things, then I will have to take it all out, because nowadays I do not have emergency savings anywhere else, because nowadays I cannot save money in real life because of living under the local minimum wage. Hopefully this will change soon.
1% a month is more than half of what the 10Y pays in a year.
Amazing when you think about it.
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