I am usually intrigued.....
Did I miss out on something? Your start implies that this time I got it wrong.
I personally look at HIVE like a stock more than a currency due to its inherent volatility. #1 rule of stock market is not to invest what you can't afford to lose.
I personally look at HBD like a US$ Savings account with a 20% interest rate. I like savings and I like 20% interest.
I also think having a livelihood off HIVE is very important because while I believe that crypto has a bright future who knows WHICH crypto will be the one to take off. I mean I'm Canadian...the country that founded the Blackberry. Look what happened to it after the iPhone came along.
I'm lucky. All the HBD and HIVE that I have is like play money to me. I made it from playing Splinterlands and Cubieverse. If I lose it all then its no big deal to me. For other people it is a far more important financial decision.
Missing out on a bull run? Ohh...that stings. I know because I sold $2000 worth of bitcoin when it was at $5000. Kicking myself on that one now. I also sold Monero/XMR at 0.25/coin and it is at $141 now. Then again, I bought $5000 in Tesla stock at $18/share near the IPO and doubled my money and cashed out at $50/share. I cried when it hit $2000.
At the end of the day you have to do your own research. Come up a plan that makes sense to you. Then live with the consequences. Regardless the outcome.
Sorry if this post didn't make the grade for you. I'll try harder next time 😎
RE: When to HODL and when to Spend?