Withdrawal can become a habit. Once you develop the habit of withdrawing either fiat or converting your crypto holding to local currency for use, It almost becomes so difficult to break.
Needs and wants/problems to solve with money never stop arising, how do you handle your withdrawal? Be sincere, considering that local currency is becoming less of value as the cost of things are constantly rising now, so much that the cost price today is not the cost price tomorrow. Is a budget still effective in your opinion?
Well personally for me putting budget out for things never works, at the end of the day there are always unimaginable circumstances, especially in the wake of COVID that requires a lot of extra money every once in a while and the government is not even being kind to the people, the fares everywhere are rising and at the same time, people always use things like Credit cards, which doesn't go down so good. As far as I have seen all my friends are paying off their credit card loans. Plus in a student's life it's very important to always keep extra money with you, when you have investments like cryptocurrencies it's both risky/boon, therefore everyone has to tread lightly. It's a hard task, I don't think we can follow any rules here.