I have received a gift deed of exactly the minmum needed like 2 months ago ! now i'm waiting at 418 in the pool ! sometimes my balance goes a bit below the minum and sometimes above (when a justified monthly 600$ is received ) ! now what's a good strategy in your opinion ? does the balance need to always stay above the minimum ? and do i have enough time to complete a 6 month with this average ? what if in a month the average is below the minimum ?