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Thank you for visiting, @hope777! That is the way I have thought of it since I joined Steem in 2017. It occurred to me that if I just started "investing" a little of my time each day, I would build value without having to pull money out of my pocket. After three years, I still have not pulled any money out of Steem or HIVE. (Well, I might convert Steem to Hive soon!) But I'm a HODLer!