According to @balajis, unless a trader specializes in forex, fiat should be held to minimize downside rather than to seek upside, emphasizing cash as liquidity and stability, source: @balajis. He advocates a barbell strategy where upside is pursued via crypto and tech investments while Bitcoin (BTC) is treated as the hard asset reserve, source: @balajis. Working assets remain in fiat for operational needs, creating a clear split between growth risk and capital preservation that traders can apply to portfolio construction and risk management, source: @balajis.