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If you are 'saving' in BTC (that meaning not spending or moving around), best to keep it on chain.
I see LN as an easy way to spend without the large fees. Buying coffee, a meal, small donations or items under $200 are what I personally use LN for.
Yes I am asking about the other side of it - if you get paid with lightining you want to keep at least some of it in cold storage. Never moved from off chain to on chain before...
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