That is bold. The only place I keep that many sats is in my node. I don't think I've ever had more than 150k sats in the wallet.

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this is the way. never put more into a mint than what you could easily afford to lose.

I heard to wait til you get .01 before transferring due to utxo

I could be wrong, but I think utxo concerns are limited to on-chain transactions.

Correct

Correct