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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.
Taking those risk are part of his growth here since maybe for now he find gambling as good alternative but once he lost to much on it I believe he will go on different option to find what better things can give him a good income.
For @Mauser even if we don't get any dividends by holding our signature earnings still we can get a good profits if the price pumps, I know it's different scenario if the market collapsed but still we see how the market creates good profit to the holder so if you can hold for long term better select this option since sometimes aiming to get money from gambling is really dangerous.