Imagine that ten years from now, Bitcoin has become the standard global reserve currency, but your account only holds depreciating fiat deposits. This might be the most painful missed opportunity of the century.

History will mock us this way: at the moment when the old and new worlds transition, the wealth of the old world (fiat currency) is completely swallowed by the black hole of the new world (cryptocurrencies). If now you sell all your coins to deposit in the bank just to avoid a tiny bit of volatility, you're like someone in 1910 selling Ford stocks to stockpile carriages.

To keep up with the pace of this era, there is only one core principle—**Always Hold**. My approach is to use Bitcoin as collateral to borrow stablecoins, which not only preserves my holdings but also solves the daily cash flow gap.

Life inevitably has urgent money needs, but I set a strict rule for myself: never sell Bitcoin. All financial pressures are addressed through collateralized loans. Rather than cutting losses to convert into fiat, paying a bit of interest is better—this way, you can hold onto your ticket into the new world.

What are the borrowed stablecoins for? They are used to cover daily expenses like rent and food. And the Bitcoin locked in collateral? That’s your ticket to the future world. This over-collateralized mechanism allows you to freely switch between two parallel worlds—neither starving in the face of everyday life nor being abandoned by the waves of the future. This is the **survival wisdom across eras** that every long-term believer should learn.