As I sit here at my desk trying to keep myself awake, this post hit really close to home. Like you said though, I wouldn't bother quitting any time soon. I am very close to retirement, so it would be foolish to take that kind of hit with so little time left. It would be cool to one day just do Hive as a full time job!
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Who knows, I reckon that a year down the track from now, you will likely be in the kind of position where you ight close up the gap to retirement and take the plunge :)