It's been a long road. Building your stake definitely makes a difference. I know that some people are relying on HIVE to make a living, but you can still do that while growing your stake. It's going to pay off down the road. Too many people take all their rewards out of the system and convert them to cash. You are basically stunting your own growth when you do that.
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I would not take any of my earning here on HIVE until I reach to the point that I am not able to work anymore. I consider these as my retirement fund someday.
Sounds like a great plan!