I can't figure out why the transaction doesn't clear. Did I miss some step or do I need to increase the savings balance, or something?

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Tz might be waiting to be included in the block. If you went cheap - it will take longer. You can raise tx costs of transaction to speed it up but you need funds on chain to do that

Ha ha. OMG so I have to start pulling Bitcoin out of my hardware wallet? I hardly have any! 😭