I didn't realize there was a dip and I was able to convert some eth I got from an old liquidity pool and buy some Hive at .33 so thank you for mentioning the dip and making me take notice. It's only 250 Hive but it will provide more value than the eth in the long run. I will wait until the price goes back over .50 and then turn it into HBD for my savings account.
Like you, I'm at that same point in life where I have given up on the frivolous living and am trying to prepare for the future and that 20% is pretty hard to pass up. I'm lucky to get anything from my bank savings account interest.
I just keep scrapping and stacking the really clean copper, brass and aluminum and selling the dirty stuff to buy more tools for scrapping. It is far more productive than playing games or watching tv and in the end I will have a nice store of metals for the electric era we are in/coming into. I think that having a little bit of crypto added to the small government pension and the scrap income will be the saving grace in my later years. I just don't have the disposable income to buy a lot right now.