RE: The Passion of Crypto
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The 20% HBD income is surely a very stable way of setting your monthly budgets. Once the HBD based in set depending on the income you want for the month, it becomes easier, unless the ROI goes down.
The good thing about investing time and money in cryptos is that it will give much better returns then any other form of investment, so it's all worth it to invest time in it
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I agree but the bear market makes things a little bit hard. If you have patience and are willing to play the game in the next bull run, you might get better financially.
The most important is to secure profit in stablecoins.