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Saberhagen The Nameless · 104w
I keep in fiat what I need for fiat expenses for the month with some buffer room (no sense in moving to Monero what I'm going to have to move back soon anyway) Do you spend Monero often? If you're sa...
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Savings(btc) vs checkings(xmr) model works for most users coming from bitcoin side

Month to month or even quarterly xmr/btc price is too volatile to predict what ill be up or down. It's anyones guess. You can just as easily gain a little money as lose a little money on that time scale. It pretty much evens out if you always do it.
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Saberhagen The Nameless · 104w
Zoom in on any price chart to see this