HBD is a strong asset to have now more than ever with the 20% APR. Earning passively is key in order to grow and the HBD Savings ticks that box the most. Build up a great sum for the future, even as a pension fund in some cases!
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Just remember Dollar inflation is 10% so there goes half the gains. Then taxes are 30% or so off top so it’s not as great as advertised I’m learning.