In practice, starting three months into my stacking, I save half of my disposable income in fiat currency, thus building my fiat currency stack. The other half is spent on precious metals. But some people are extremes. You must have heard stories of elderly people ... die in one-room apartments with few comforts, who, unknown to everyone, had savings and investments of a million dollars or more! Being a saver or a sender is not good or bad. Like anything in life, we all need to strive for balance. GReat comment, @dwingsworld! Have a terrific day. Take care.