Very well written posts with some helpful insights.

The only point I think differently about it equating ROI with time spent on Steemit. The rewards are delayed with respect to the effort put into Steemit so it is not linear therefore hard to determine you return on investment based on the time spent writing. 

Of course, for those who invest money ROI is easy to track.

There are a [few other factors to consider](https://steemit.com/steemit/@luzcypher/what-skills-do-you-need-to-succeed-on-steemit) as well you may be interested in.

Still, a very interesting read. Thanks