During my day job I have plently of free time, about 4 out 8 hours I do nothing. Before steemit I used to do affiliate marketting, the money was good but really boring. Now I just kill my time here and hodl everything I make. I don't plan to spend any of them. Either steemit will fail and they will be worth nothing or it will turn into a success and my steem money will help me retire early :D
I just hope I wont run into a shitty situation like you did and have to use my balance for emergency ^_^
Tip!
You are in very similar situation with your job as me. Sometimes I have a lot of time, sometimes I'm killing myself by working