Absolutely. I know that at some point, I have to take something but, what is that point? Haven't go there yet

I think that we each need to have a rough plan in our heads, maybe even it's a point/price at which we keep accumulating the SP but trade out the 50% STEEM/SBD to diversify.

Not a problem I am anywhere near having yet (or potentially ever!) but heck it's fun to pontificate!

Living off Steem would suck big time though.

You never know.... ;)