With 1M HBD, I would pay down debts for myself and maybe a few other people. Then I would solidify my position as an investor to the point where I can describe myself that way when filing tax returns. Along the way I would DCA both cryptocurrency such as BTC, ETH, MATIC, and HIVE+ as well as precious metals. Keep the principal in HBD savings, then live off the 20% interest.
Without doing anything extravagant or foolish, I would use the income generated by that 1M HBD to BUIDL both for myself and others.
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