Woohooo! I hit the same milestone today! My account, currently is worth around 3 months living for my husband and I. It would wipe out our debt if I powered down. I've decided not to. From this month, I might keep HBD liquid and cash some of that out. We'll see what this month holds. My preferred option would be to HODL for the moment.

I think (not giving financial advice) stash it as a nest egg...