Our Steem journeys are different because we are different.

• what we can offer is different
• our strengths and weaknesses are different
• why we joined the Steem community is different
• why we stay engaged in the community is different

And what we do with our earnings is different as well, and that is what I want to talk about in this post.

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Disclaimer: This post is not intended to be investment advice. Each person is responsible for investigating any investement opportunity and making a wise decision based on his/her current situation.

Spending Steem Earnings Today

Pros

• Supplement current income
• Create discretionary spending that does not impact fiat earnings
• Take advantage of price information that is guaranteed today
• Utilize a fee-free payment system (when making payments in Steem or SBD)

Cons

• Reduce potential Steem earnings in the future (if the price of Steem increases in the future)
• Additional steps required to convert Steem and SBD into fiat

Accumulating Steem/Steem Power For Tomorrow

Pros

• Benefit from the principles of compounding interest
• Increase influence within the Steem community
• Continued access to earning streams (creating content, delegating Steem Power, curation, etc.)

Cons

• Lose out of guaranteed buying opportunities today
• Steem price is not guaranteed in the future

My Strategy

I have a positive outlook on the future of Steem (as a community, a blockchain, and a token). So as long as I can, I plan to stay in the accumulation phase. I am tempted to use earnings to buy Steem Monsters cards on occasion, but at present, I am trying to convert most of my earnings into Steem Power and use for other activities that increase my SP.

Now there will come a time that I will use my earnings to make strategic purchases, but I will make that decision in the future based on my family's needs and the price of Steem. I hope that by delaying the spending of earnings today, I will be able to significantly increase earnings in the future.

No Judgement From Me!

I don't know what you are facing in life right now. I don't know if you live with excess or if you are struggling to make ends meet. I don't know if you have buffer resources so that you can press past your current needs so that you can make a larger investment in your future.

So even though I might have thoughts about best case scenarios, I will not judge you. Your need to spend Steem or your ability to accumulate Steem is your choice and yours alone.

I want to hear from you.

1. Are you spending or accumulating Steem/Steem Power?
2. What motivated you to make that decision?

Thanks for stopping by!
@SumatraNate