Thats why, since 2015... either matkets up or down, i never hold fiat. I just exchange my crypto whenever i required to pay anything or purchase anything. My bank account balance always remain under $1000 most of the time.
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That's great. Same with my bank account. I invest little from my monthly salary in crypto. Convert it to bitcoin and ether when price pump. Then withdraw when I required. Basically I spend that on my travel expenditure.