All of my money has been in Bitcoin for a long time. I still sometimes work for cash, & I use cashapp to covert Bitcoin to dollars for groceries & things, but my dollar holdings are rarely more than a few hundred dollars & I often make the conversion in the parking lot before I go in the store.

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I saw that Fold let's you buy and sell Bitcoin that you can use on your card right away with no transaction fee, but you do have a monthly fee