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This is my approach! Also companies solve problems and provide goods and services.
Investing in a company may lead to loss but as long as you use bitcoin as your savings then you can invest along with your morals and principles and need these investments to secure your future.
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once you've built meaningful wealth, investing is fun, like a game - let bitcoin be your savings yes, but investing the wealth you won't need is fulfilling for some people
it varies by individual and country, what you consider significant enough to invest anything...I would say that is ~ 200 BTC in a wealthy western nation, in 2025, for a family man...your number is probably different, and of course decreases with time