What's an ideal way of setting yourself up for living on a bitcoin standard? I know running your own node and having your btc in cold storage is a basic minimum, but then what?

Tx fees will most likely be higher on layer 1 in the future, so I see using that for storing btc long term and rarely moving it. For daily transactions I think Phoenix wallet and the new ecash apps work great. But what about for mid-term holdings, like a years worth of expenses? Is cold storage using liquid a good enough option or would running your own lightning node be better?

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