If you want to save in stable coin, make sure the coin is decentralized, currently the the most liquid decentralized stable coin is DAI.

Saving in local currency can be safer because you're already use it for entire of your life and banks are regulated by the government, but it depend on your local currency, if you hold Argentine Peso it's bad since the inflation rate is really high.

You need to find a trusted digital bank that give you a way to buy USD, Euro etc. Don't use PayPal or Payoneer, it's not good for long term holding.