I will repeat this 1 gazzilion times: use the 3 levels stash, with multiple wallets:

HODL level: most of your stash, your vault, your central bank, that you move it only in emergency cases.
CACHE level: the medium amount, coin control, commercial bank, IN/OUT
SPEND: level: small amounts to cover your daily/weekly spending, LN wallets.

Explained in details here and in many of my guides:


bitcoin

How much are you willing to put in a hot wallet?

scottathan

I will repeat this 1 gazzilion times: use the 3 levels stash, with multiple wallets:

[![3level-stash.jpg](https://imgprxy.stacker.news/KKtwTDmOJcATNKH4A53B50BNNc6l7BHcx0oQp40C3i0/rs:fit:600:500:0/g:no/aHR0cHM6Ly9pLnBvc3RpbWcuY2MvTVRMMmt2VDAvM2xldmVsLXN0YXNoLmpwZw)](https://postimg.cc/vg5Sf85D)

HODL level: most of your stash, your vault, your central bank, that you move it only in emergency cases.
CACHE level: the medium amount, coin control, commercial bank, IN/OUT
SPEND: level: small amounts to cover your daily/weekly spending, LN wallets.

Explained in details here and in many of my guides:
[Bitcoin = be your own bank, THINK like a bank](https://darthcoin.substack.com/p/bitcoin-be-your-own-bank-think-like)