RE: What Is the Vision for HBD?

In fact, no, HBD could have all 3 functions I listed, so they are not mutually exclusive.

But having one priority over others means we can search for solutions to better optimize HBD for that priority and certainly not take steps that would be detrimental to it or a waste of resources to pursue something that is not a priority.

Thanks for your example of building up HBD in savings for a larger purchase and then expecting to have the interest to work with after you make the purchase. That's an interesting idea. But would you use the same method for daily purchases?