If you have any doubts about how to store your purchases in small quantities, I leave them on the Exchange while they are less than $1000. Above $1000 I transfer them to a lightning wallet. Above $5000 I transfer them to a cold wallet.

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With the current low fees, it ends up being cheaper to send from the exchange to the cold wallet when it exceeds 1000 dollars.

Sounds like a smart plan. Do you have any suggestions for a minimum utxo?