I would just have your fiat money constantly churning in a circle.
Retirement Accounts
Your Paycheck↗️ Credit Builder
⬇️ ↗️
Cash ⬅️Bank 1 ⬅️ Bank 3 ➡️ Bitcoin
↙️ ↘️ ↗️ ⬇️ ↘️
Spending Bank 2 Gold Monero
⬇️
Bills
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Replies (2)
If you keep your money flowing old cash gets pushed out, and New cash comes in.
It never stays in one place, which reduces the odds of you losing it all.
It's highly complex but those with advanced brains understand hedging, liquidity, Bank runs, etc.
The chart is complex but highly optimized in MY PERSONAL OPINION (not financial advice).
You're not wrong but it's a fucked up system they created.