For me the HBD savings are an insurance against a traumatic event like a complete breakdown of Binance or SEC not approving ETFs at all, in which case everything would go south.
Unlikely but not impossible.
And which insurance pays you 20%?
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damn right,
Having some money in savings is important and for the reason you said as well. I dont think we'll have any sort of blackswan event this cycle but im sure we'll see some -15% days in crypto. If HIVE drops to under 30 cent, i'll probably go hard.