Congratulations on the Runi cards. I think improving your income streams is a good idea. After all, the pandemic has shown how fragile relying on a single stream is a bad idea. So preparing for that situation is not bad and I honestly would not mind retiring early if I had enough streams of income.
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I wish some of the streams were a little more passive - and a little larger! :D
The pandemic should have highlighted to everyone to start exploring alternatives - yet for the most part at the mainstream level - they have gone in the opposite direction.