i would go for 20% crypto, 80% fiat ... crypto is too volatile, most of crypto risk to bring you bankrupt and that's not good with a family and sons to feed...also basically no one here accepts payments in crypto so want it or not you need fiat (unless you use binance card but then kyc gets you and state asks for taxes!)
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Believe it or not, there are solutions for all the problems that you listed... :) I suppose that everyone has a different ratio and balance in these things. We will have an interesting show tomorrow, for sure! 🙂