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I came to your same conclusions, the best thing is to reach a certain level of HBD that allows you to sustain better for retirement. Of coure every nation has it's own, like at yours 30,000 PHP are good, here it would be half of a barely decent retirement wage, so i would need 80k HBD. With lazy-panda interest you can buy a good house every year, imagine what you can do.... I don't know the magic to get there, i guess something like wait a big hive pump and swap hive for hbd
I guess, just like me, many Hivians exchanged their HBD for HIVE when the latter dropped near 0.20. Another guess, perhaps just like me again, is that they will start to pick up HBD when HIVE reaches 1 USD and above.
!PIZZA
I see it hard to get to 1$, already a lot of people started power down when it got to 0,6$ to sell 🤔
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