In another perspective, being a employee also have it own benefit like monthly income. You don't have worry about the hight cost of good, taxes and lack of sale which ia affecting most of the entrepreneurs.

Secondly I don't know about about hive but I know it's same like steemit, only a slightly different.

Saving and investments: I think this one is personal decision because both have it's own benefit and risks.

Good luck 💕