Holding it in bitcoin might be better

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That too, but there are better and worse times to buy Bitcoin. I don't stack when retail is emptying their pensions to buy at $70k.

Still cheap

Be prepared to lose whatever you have in tether

I thought this USDT stuff is FUD?

It is until it isn't

Look into stablesats

This is a way to hold BTC that fluctuates with the USD. If BTC goes up, you get less. If BTC goes down, you get more