RE: The Promise of Hive
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It is honestly a nice thing to have in your back pocket as a fallback. I powered down most of my mere 11k all-time-high and it helped us get a new vehicle/pay down some debt. Not ideal, but it was a nice option to have that so many folks don't at all.
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it's fantastic for that. Might not be built as quick as some of us would like, but it really helps you out in a pinch!