According to @kwok_phil, the proposed approach is to save in crypto, never sell, borrow against holdings for liquidity, and operate with zero fiat usage, source: @kwok_phil on X, Nov 15, 2025. This outlines a hold-only, collateralized-liquidity strategy that prioritizes on-chain assets over fiat off-ramps for cash needs, source: @kwok_phil on X, Nov 15, 2025. No specific assets, loan-to-value parameters, or risk controls were provided, making the guidance high level rather than directly executable, source: @kwok_phil on X, Nov 15, 2025.