2026-01-06 11:22:30

New Year Savings Tips

Just withdrew stablecoins from a financial product, initially planning to hold onto them, but somehow ended up spending them all over again. The bear market is like that—seems like you have money, but ultimately it's easy to blow it.

Many people probably share the same feeling—holding USDT or USDC stablecoins, planning to invest regularly or wait for the right opportunity, but during the long downward cycle, the desire to spend actually gets stronger. Maybe it's a mindset issue, or perhaps uncertainty about the future is at play.

Now I'm stuck: should I keep this money invested in financial products to earn returns, or just leave it be? How do you handle your first idle money of the New Year?

USDC0,04%

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AirdropCollector

· 01-06 11:49

The most deceptive thing in a bear market is this: having stablecoins in your account but unable to control yourself. This is totally a psychological game. If you invest in wealth management for returns, you feel like you're missing out on some opportunity. If you don't, you're afraid inflation will eat it away. My approach is to do it in batches—half dollar-cost averaging and half keeping as flexible cash. Anyway, there aren't many big opportunities, so just endure it slowly. The heartbreaking part is that the moment you withdraw, you really think you're saving money haha. Dollar-cost averaging is truly unbeatable. Just let it automatically deduct, out of sight, out of mind.

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AirdropHunterKing

· 01-06 11:48

Bro, that's why I split my stablecoins into three parts: one for earning interest, one for grabbing airdrops, and one to forget about—spend whenever I want, to avoid stress. --- Really, the bear market mentality is the easiest to break. Seeing the account balance makes your mind itch, and in the end, USDT just lay in the exchange for two months and then disappeared. --- My advice is to deposit gradually, don’t throw all your funds into investments at once, or you'll just repeat this cycle again. --- It's really a matter of self-control. I now transfer the stablecoins I withdraw directly into a hardware wallet, out of sight, out of mind. --- Why not try earning yields while waiting for airdrops? Anyway, the gas fee isn't that much. --- Honestly, I haven't found a more exciting place to put my money, otherwise I wouldn't have spent the withdrawn funds again. --- I've given up fighting my own spending urges. Instead of stressing over it, better to diversify risks—some in investments, some in cash, and some allocated to other projects. --- That's why I always monitor my wallet address. I'm afraid that in the blink of an eye, I might transfer out my stablecoins again. I've experienced this several times myself.

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CommunityJanitor

· 01-06 11:48

I think this is a psychological issue. Holding stablecoins just leads to depreciation, so it's better to just spend them happily.

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TrustlessMaximalist

· 01-06 11:32

The bear market mentality has truly collapsed; I just want to spend the USDT in my hands and can't hold on at all. --- Throwing money into financial products to earn returns? It's better to HODL and wait for the rebound. Entering the market now is too early. --- Am I the only one who thinks that this kind of indecision itself indicates the need to stay calm? --- The first spare money of the new year? It’s already been completely eaten up by gas fees haha. --- The desire to spend is actually a psychological effect; stablecoins make you want to move them after a while. --- I don’t understand why people still want to throw money into financial products; the bottom hasn’t come yet. --- Holding USDC is just like holding cash; it doesn’t hurt to spend it. --- Really, the bear market tests human nature the most; it’s even more difficult than the market itself.

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