Dunno if there can be specifics if it boils down to individual decisions. IMO if you understand money the value question is already answered.
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It's an ongoing process for me. I'm still learning and don't have a solid foundational knowledge of economics and money. So maybe my original post was not a good idea, but I am fine with getting roasted and beat up as long as I learn something new or gain more perspective, and I definitely feel like all of these replies have helped me to do that.
Mises theory of money and credit opened the floodgates for me.