Congratulations on your achievement, fabulous that you reached Dolphin and you re going into the new year with greater HP than you expected! 😍
It looks like you used HBD as an Emergency Fund and it was there for you when you needed it!
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It was really a year of hard work to reach the goal, and I am very happy to have surpassed one of the goals.
HBD is my savings fund to be a little old lady backpacker in about 9 more years. I don't like having to dispose of them, but I am grateful to have them and to be able to solve any eventuality.
😍