Well everyone has to do what they feel is right for them based on age and financial situation. I have no clue what your buy-in price was on XLM but that's only one of my positions (xxx,xxx) and my 1st sell target is $15 in April. Chew on that for a while. I've got the Tesla 3 motor CyberTruck on order. I tweeted Elon to please accept crypto for payment and the following day it was announced they'll be accepting BTC. Keep your eye on the prize and hopefully you'll live to trade another day.
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