I do think it is risky to think like that as firstly HBD could easily change to a lower APR at some point. The safest bet is to try and achieve this whilst you are in a bear market as then you should be more than safe. Not easy and you have time to keep on building your stake an looking for projects to invest into to create streams. I have been looking for 10 that can achieve just $25 per month and have been struggling to find the 10 I have 1 outside of Hive that is doing very well. Whilst looking for the other 9 I will just keep growing what I have already.

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