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I make a decent amount off of the DRIP token, but have been funneling most of my "profits" into powered-up HIVE and HBD. It is a start, but the rewards are slated to be lowered at the end of this month. Still, a plan.

Personally I would concentrate on Hive only as Hive will go up in value and HBD will remain at $1. You can earn and grow your Hive stake and then convert over to HBD when the price is right. Keep the plan simple and you will get there eventually.