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I follow the 50/50 default strategy all the time.

o.o 50 50 strategy but sometimes need to adapt

For me, it depends a bit. When I'm saving for something particular, I do 50/50 and save the hbd. If not, I do 100% hp as well. (My hp stays hp, I just accumulate that) :D
#freecompliments

fair enough i guess o.o . depends on what u want