It’s really very low. What they say is true, the money we invest should be money we won’t need for several years. That way, if the market goes down, we won’t be forced to withdraw. And right now the market is really down; Hive is extremely low. It would be great to have extra money to buy more at this time.
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As the crypto markets gets more and more accepted by big institutions we may see these turbulences more often. As you very rightly say, it is advisable to put money that you may not need for a long time