No my partner managed to lose more than 100000 usdt in sfx.
my thoughts on holding usdt are it is supposed to be 75% backed by US t-bills
so why trust usdt you may as well trust t-bills and cut out the middle man.
t-bills pay half assed interest but if it is a small amount of btc you cash.
10percent of your coins in your case seems okay. t-bills are pretty safe.
I have I bonds and silver and a lot less btc than you.
plus the home is paid off.
I get what you are saying (no mortgage), but the house is NEVER paid off.
My RE taxes roughly equal the sum of the mortgage payments (per year).
oh god fucking real estate taxes have gone nuts. I likely will move from New Jersey as I got back to back 20% increases.