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Same here, that's why I say just what you want to save.
I have it worked out in budget:
- Incoming Fiat pay
- Fiat bills (hold fiat)
- Refill Emergency fund (hold on lightning for quick conversion, or hold fiat)
Anything other than that trades for cold storage in lump sums.
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I get sometimes get paid in fiat and sometimesneed to pay in fiat. So I still need a bridge.