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I get sometimes get paid in fiat and sometimesneed to pay in fiat. So I still need a bridge.

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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