I get that, but I'll let those accounts earn their own points, lol. But really I have to pay the bills for all of it and right now this is my only income at the moment other than trading so gotta squeeze everything I can out of it, lol.
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Alright. I hope you make enough here for it to be sustainable long term!
I was going to sugguest slowly build up a HBD savings balance for that 20% APR, but thats easy to say when I don't need crypto to survive x)