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I started out by putting 5% of my fiat into BTC. Now Fiat is 5% of my portfolio. If that. As it should be. Just enough to cover expenses with providers who don't accept anything else and provide liquidity for when it might be needed. Besides, as per Gresham's Law I'm happy to spend all my crappy money, before I touch any of my shiny, good money.

It's not 2013 anymore. We've all had plenty of time to get this shit figured out...