My last check of the month i dont convert because of rent and insurance. Its hard in America.

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Yes it is. Keep grinding. 🫂

I am In the same point, just before payday hits I shuffle the last of my fiat over. Last month was the first in a year that I had a short fall for 3 days

Sometimes i do stay short and need to sell but nothing major.

I kept (when I was employed) no more Fiat than I was willing to lose. Usually it was $5k