I definitely believe in the old saying that "slow by steady wins the race." And that holds true, except maybe for "unforeseen circumstances;" like I have seen few Steemians having to abandon their plans and power down for emergency health issues, or various other personal reasons.

Which, for me, is also part of the equation: In a sense these are "long term savings accounts," but they also can be there as the "last backstop" when something awful happens.