And after .01 you hold , at .25 start withdrawing a bit for necessities like a hammer3, a fishing boat, a farm, a vacation house, a condo, ....a trip to Europe, a trip to Canada, a trip to caribbean/bahamas, a trip down under , a trip to the orient, Woooooooooooooooohooooooooooooooooooo!!! Go EFGO GO !!!