Yeah, anytime I plan on moving money out I bake the 30% tax in. So if I need 10K I take out enough to cover the 10K and whatever the taxes will be. It can be a bit like trying to hit a moving target at times. My traditional investments have been doing well for me. I think I average between 7% and 12% on them. HBD staking is where it's at right now. You just can't beat that 20%! Most of the DeFi stuff I do these days happens on the Hive chain through beeswap.