Factoring in Hive to Pension Planning makes things look MUCH TASTIER, but of course there are risks...!
So I'm currently thinking another eight years to FULL retirement...
I'm quite happy with my current status which I guess we can call semi-retired, I no longer have to work full-time, although that does require a bit of luck (crypto doing OK, passive income being maintained, actually staying in part-time employment).
However I'm now wondering what I can accumulate across my basic pension schemes...
I've got seven options really....
(NB I already have a teachers pension, that kicks in at 60 years of age which is a very healthy base already, AND what should be a full state pension.
- House 1 = £400 a month after fees/ expenses and maintenance. I will in all likelihood be moving to London soon, which means house 1 which i'm currently living in becomes an income source, only after I've paid of the remaining 4.5 years of the mortgage, but that's really not that far off!
- Private pension contributions - these are to be funded by my own contributions.
- Salary contributions to my work pension, these are done automatically.
- HIVE passive-ish income...?
- Other crypto...?
- My current main blog which earns me a passive-ish income.
- Another Passive-ish income idea... ? (not really sure what this would be!?!)
House 1....
Honestly, houses are pretty poor Vests as rentals, but one always needs an emergency one spare to move back into if the worst comes to the worse. And it's capital to be drawn down if necessary.... £200K over 30 years = £7K a year, more actually if you factor in interest if i sold it, probably nearer £8-9K easy a year, worth holding on to.
Private Pensions contributions...
I'm gonna aim low and try and put £200 into this every month, this is basically my VEST in stocks in shares, part of... and by the magic of the UK tax man that £200 becomes magically £240 a month.
That's £30K by the time I'm 60 in the pot...
NB what a difference two years make... after 10 years it'd be £38K!
Regular employer pension
I've estimated my employer pays in around £150 a month, which isn't bad for just 2 days a week, at the same rate as the above, that'll be £19K after 8 years.
Hive passive ish income...
Here is where it gets interesting....
Granted my starting point is much higher already at $40K but with just $200 put in a month (NB that means I could extract more than half!) then my net result at 10% per annum compounded is.... $117 000.
That's the thing about high interest!
Granted there are a lot of moving parts, but same with the fiat world!
Other crypto....
Well I don't plan on cashing out more than 25% on the way up (hopefully), so I dunno let's say my crypto will be worth £50K - pick a number, any number! NB that assumes almost no increase in value.
That small valuation also gives me a little more flexibility to draw down some in the next eight years.
Current main blog...
The earnings have declined recently but I am soon to try and sort it. I think by the time it earns me less than I don't know £3K a year I'd jack it in, way to go to get down there yet, it's something of a passion project, and for £3K a year I'd be happy to give half a day a week to it.
Let's call it £3K a year. I might have to round that down to £0 as the entire set of qualifications I work to could well be gone by then (it is mooted) and changing everything anew might be too much effort...
A new passive project....
No idea!
TOTALS....
- HOUSE - £200k = £7K a year until death
- Private pension - £30K = £4K a year until state pension
- Salary pension - £19K = I'd save this until 65.
- Hive Passive-ish income = £80K - I'd be happy to draw down £3K a year until 68 at this point.
- Other crypto - ??? Let's guesstimate £3K a year draw down!
- Current main blog - Let's be REALLY pessimistic and call this £1K
- Other project - let's call this £1K.
So by 60 that is.... £19 a year until I hit State Pension age, and that's after my TPS money and any money I'd earn from a regular job.
So £30K a year with no housing costs, that's a pretty cushy retirement methinks, and I'll probably still be doing some form of paid work at that point too!!!
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That's a pretty good plan
I also think to fund my plans in 10 years from the passive HIVE income.
Nice breakdown I hope things go better and the 8 year becomes 4
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STOPyes.. sounds like a good plan. The #'s look good and I especially like the passive ISH income parts. 😉😎👊
I have always believed that flexibility and diversity of income is the secret to financial stability, and you are applying this perfectly 👏👏
2,5k a month without rent sounds like a dream to me. Do you pay electricity and such, or is all housing expense free? No idea how much all that is in the UK, I must admit. In Germany, my brother always explains how expensive everything is (he pays 800€ a month for food alone, while I'm paying 80$ here), so I can't really imagine that UK is so far of.
And have you factored in inflation? Are pensions in the UK automatically adjusted to inflation?
Wishing you all the best that it works out, and hopefully better and quicker than expected - especially the HIVE part 😅
That's a very interesting plan which gave me some ideas of doing something similar... Also, I would say that you covered most of the "moving parts"... I mean, your plan looks bullet-proof compared to the "ordinary" retirement plans!
I'm not sure about "Private Pensions contributions", as I don't understand why you would put your money into something that will bring you 5% per year? Plus, IMO, it's even riskier than crypto... But, maybe that's my impression (experience) of companies that offer this type of "product"... and I suppose it's much safer to do it in the UK... 😃
All in all, very good plan! You are close to doing it! Good luck!
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A Wake-Up Call: Accountability and Redemption in the Hive Ecosystem
To those who believe their actions on the Hive blockchain go unnoticed, it’s time to confront the truth. The power you think you wield through downvotes, vote farming, and manipulation is an illusion. True strength lies in doing what’s right, not in exploiting systems for personal gain or silencing others out of fear.
1. The Illusion of Power Through Exploitation
If you’re downvoting critics, running coordinated farms, or hoarding influence to control rewards, ask yourself: What does this say about your character? Manipulating Hive’s reward system doesn’t make you powerful—it exposes vulnerabilities. It shows a reliance on unethical tactics to feel significant in a space that was meant to empower everyone equally.
But here’s the reality: these actions won’t bring lasting satisfaction. At night, when you’re alone with your thoughts, do you truly believe what you’re doing is right? Regret has a way of lingering, and no amount of HIVE tokens can silence the voice inside telling you there’s a better path.
2. The Ripple Effect of Your Actions
Your choices don’t just harm Hive—they affect the people around you. Your online friends may follow along now, but loyalty built on shaky foundations crumbles quickly. And what about your family? Do they understand how much energy you pour into behaviors that ultimately hurt others and yourself?
Every action has consequences, and the deeper you dig, the harder it becomes to climb out. You’re not just harming Hive—you’re pulling those close to you into a cycle of negativity and regret. Is it worth it?
3. Change Before It’s Too Late
The Bilpcoin team isn’t here to attack individuals—we’re here to spark change. We’ve seen the evidence, and we know the impact of manipulative practices. But we also believe in redemption. There’s still time to step back, reflect, and choose a different path.
Ask yourself:
Hive deserves better. So do you.
4. Strength Lies in Doing What’s Right
Real power comes from integrity, not manipulation. Instead of focusing on how many tokens you can farm or how many users you can silence, consider how you can add value to the ecosystem. Create meaningful content, support genuine contributors, and advocate for reforms that benefit everyone—not just a select few.
If you continue down your current path, remember this: you are being watched. Many stay silent, but they see everything. Blockchain data doesn’t lie, and accountability always comes knocking—whether today, tomorrow, or years from now.
5. A Final Plea: Fix What Needs Fixing
It’s never too late to change course. Stop the farming, stop the toxicity, and start contributing to Hive in ways that uplift rather than tear down. If you’re struggling with why you’ve chosen this path, take a moment to reflect. Seek help if needed—there’s no shame in admitting you’ve lost your way.
The Hive community is watching, waiting, and hoping for positive change. Will you rise to the occasion, or will you let regret define your journey? The choice is yours.
From the Bilpcoin Team: We’re committed to helping Hive thrive by exposing the truth and fostering transparency. Let’s work together to build a stronger, fairer ecosystem—one where everyone has a chance to succeed.
What will your next move be?
Addressing the Downvote Issue on Hive: It’s Time for Real Change
Marky Mark Stop the manipulation game Lady Zaza Bpc AI Music
Let’s cut through the noise and address one of the most pressing issues holding Hive back from reaching its full potential: abusive downvotes. The Bipcoin team has consistently exposed the systemic problems that stifle growth on this platform, yet little to no action has been taken. If Hive is to thrive, we must confront these challenges head-on instead of engaging in empty discussions that lead nowhere.
Hive cannot grow if nothing changes. How can new users and smaller creators flourish when they are constantly suppressed by those who exploit the system? Many so-called “whales” contribute nothing meaningful to the ecosystem—instead, they focus solely on farming rewards through manipulative tactics like mass self-voting, spam content, or coordinated downvoting campaigns. These actions discourage genuine participation and erode trust within the community.
Blockchain transactions don’t lie. We’ve seen firsthand the shady methods used to game the system—whether it’s creating alt accounts to amplify votes, orchestrating downvote brigades, or hoarding influence without giving back to the network. Why does this behavior continue unchecked? Talk is cheap. Actions speak louder than words, and until concrete steps are taken to address these abuses, Hive will struggle to move forward.
We have repeatedly presented evidence of these practices, not to divide but to demand accountability. The truth is out there for anyone willing to look at the data. Yet, despite our efforts, the cycle persists. Today, we’re asking again: Can we finally talk about the real issues plaguing Hive? And more importantly, can we take decisive action to protect the integrity of this platform?
Do not let bullies destroy what makes Hive special. Abuse of power through downvotes and manipulation harms everyone—creators, curators, and the community as a whole. It’s time to fight back against these toxic practices and create an environment where all voices can be heard and rewarded fairly.
The Bipcoin team remains committed to exposing the truth and advocating for meaningful change. But we can’t do it alone. Together, let’s push for solutions that ensure Hive becomes a place of opportunity, fairness, and growth—for everyone.
Enough talk. Let’s see action.
Every curation reward from @buildawhale’s bot votes:
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Staked HIVE
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Also known as HP or Hive Power. Powers governance, voting and rewards. Increases at an APR of approximately: ~13.07%
An unstake (power down) is scheduled to happen in 5 days (~4,742.795 HIVE, remaining 12 weeks)
61,991.841
Tot: 2,404,544.432
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Staked tokens delegated between users.
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We’ve exposed the truth repeatedly with ironclad evidence:
@themarkymark’s $2.4M scam farm.
@buildawhale’s daily grift.
@jacobtothe’s downvote army.
Downvote Army: Silencing truth-tellers like Bilpcoin.
Reward Yourself: Collecting daily paychecks from @buildawhale.
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STOP #buildawhalescam #buildawhalefarm
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