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RE: Startups now and future returns
I agree your Steem investment is not mature enough to draw on just yet. This is why lots of small businesses fail as they don't build enough before they start attacking the funds. the beauty here is that the more you have the more you grow so it won't be too long before you could draw some as a passive income if needed.
It is very common. I know people who get a modicum of success early and buy new cars. Rarely ends well long term.