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Having fixed portions of our signature money for saving / gambling / investing and spending is a good idea in my opinion. Most of us here are definitely gambling with our earnings, which is a good thing, because like that we can earn even more coins. The problem with crypto coins compared to stocks is that they don't earn any divided just by holding them. So if we want to earn in the meantime, we could lend our coins to someone else or need to do some gambling.
First off, I think if you get your payments in BTC, saving and investing is basically the same thing which you can call
holding. Secondly, in my opinion, you rely on gambling too much in regards to earning money. The main purpose of gambling is entertainment, and you if you want to increase your savings through gambling, you are stepping on very dangerous road, my friend.