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Yeah, I had at some point $6,400 in HBD Savings when the market was more bullish. At this pace I should get there in 1 year, but I am not in a hurry for that. Thing is that during this bearish market, having a good chunk of HBD for that 20% APR while still holds would give me better feelings. :)

Good ratio of at least 25% in HBD, that should put you in a good position regardless of the market conditions.