money, good decisions and time
These are determinant winning factors in crypto and perhaps other investment ventures as well with decision and time being most important from a crypto point of view.
I had the experience of spending my crypto last year which you know about for life's needs, the goal was to pay back what a took off my investment but that never happened, I couldn't because Hive and other cryptos appreciated lol, so it will cost me more fiat which I don't have.
Am glad though my cryptos came to my aid during those difficult times.
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Well, there's always one thing that makes it difficult to pay back, this is one thing about borrowing. It's always difficult to pay back. At the moment I know I'm borrowing my hive to fund my mother's burial, but deep down I know i might not be able to pay back.
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