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That is the toughest part! Plus times like these when you need more sats to cover your fiat bills because the price drops 20% in week.
The taxes are a pain but manageable based on what I learned last year. If SN and others start issuing us 1099 for spending sats and giving us a cost basis of zero for ever sat spent it can become real burdensome.
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I don't see myself attempting this, but I try not to hold more fiat than our monthly expenses. I could trim that down to what I'll need before my next paycheck, though.
What I want to work on more is finding opportunities to make my regular financial transactions in bitcoin directly.