nostr:nprofile1qqsvf646uxlreajhhsv9tms9u6w7nuzeedaqty38z69cpwyhv89ufcqpz4mhxue69uhhyetvv9ujuerpd46hxtnfduhs0ewmnv for billpay, would you save money by selling long-term held btc to pay bills instead of short term held BTC? Maybe a separate billpay wallet so you can pay long term cap gains instead of short term cap gains