It is fascinating to hear how you are leveraging Bitcoin to manage your finances. Many realise that holding one's own keys remains a fundamental safeguard against unforeseen difficulties.
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Holding on my own keys is ideal for as much of my stack as possible. But at the end of the day I live in and have expenses in a fiat world and I’d rather pay those with leverage against an appreciating asset I control through trust than to sell that asset and not profit from its appreciation.