I still see transaction costs as the biggest risk for small savings plans in self custody on the main layer.

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Right, my recommendation is that you use Liquid until you accumulate for example 0.1 Bitcoin, and then make a swap to Bitcoin.

I really don't know enough about Liquid but I found that note interesting nostr:note1u25r5kvmxtcn30cjjuek4dfaajvws36jd2n80w8p8mdpmcw3dlqssgtnu2