Spend 50% of stack on consolidation? But why?

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Because it's affordable? The other options is to spend a higher percent.

Ah, well. I guess I am more used to consolidating before getting anywhere close to 100 KvB. One tip is leaving sats on an exchange until hitting 100k SATs at least. Prior to that it's not worth you paying 50% consolidation fees. The cost to consolidate outweighs the custodial risk.

Not many people understand until it's too late. 100k sats seems low