Everyone should HODL bitcoin, in cold storage……..but those of us who also have money in 401k & IRAs (especially Roth versions of both!) would be fools not to use some (damn near all?) of that money to buy the ETFs.

My cold storage sats are for my next 6 generations of descendants.

My Roth ETF sats are for my (tax-free) retirement.

My brokerage account ETF sats are for my fiat needs in the current halvening cycle.  

Those 3 are listed in descending order of importance.