Thank you. I hear you and I had the same thoughts too. - I had to power down in the past and I said to myself "never again". - However, it's the best option I have and it's logical to use my earnings from Steemit for Steemit, so I just had to do it! :)
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I full well understand money needs. People with any kind of savings account are far and few between, Anywhere.
SP is the best savings that I can have right now, Plus I can live very cheap when need be :-)