Being the sad person I am, I'm sitting down to watch this as promised 😁 I'm only halfway through, and feel like I want to jump in and join the conversation !

I'm certainly with you on the way we're spending through Valueplan. Hive isn't big enough to afford random branding exercises with no accountability on the return, so I'd love to see the spend reduced to control inflation and entirely focused on measurable marketing channels (Google ads, X ads, etc).

Perhaps the DHF should have a monthly budget, and proposals that are successfully voted are allocated a % of available funds rather than anything they ask for.

On HBD interest.... yep, you've changed my understanding of it and my mind. So my thought now is the interest should be reduced, but in gentle steps over a period of time to avoid freaking people out or losing users. But once it's down to a sustainable level, how about any increases are in capped bands, e.g. 5% up to 100 HBD, 4% for 100-500 etc. Although we'd need to monitor for duplicate accounts somehow.

I've also got an idea on growth/marketing (where the cost gets recouped), but I'll probably do that as a separate post.

Okay, now to go watch the rest of the Podcast...... some might be tomorrow, it's nearly midnight.....