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Should you save in dollars or USDT? This question puzzled me until I dug deeper. Many new crypto users misunderstand the difference between USDT and dollars.
USDT (Tether) is a stablecoin pegged to the US dollar, with 1 USDT generally equaling 1 USD. It's stable, widely used for trading, transferring funds, and protecting assets from volatility. However, there's a key difference.
Saving in USDT isn't the same as saving in dollars. Both lose value due to inflation, reducing their purchasing power over time. Holding USDT is like keeping digital cash: its value remains relatively stable, but inflation erodes its real value.
Is saving in USDT smart? Yes, if you prioritize stability, easy access, or avoiding fiat exchanges. It's ideal for temporarily parking funds between investments. However, for long-term growth or beating inflation, consider staking, growth assets, or accumulating crypto like BTC or ETH.
Bottom Line: USDT is reliable and stable but not a growth tool. It won't hurt you like a bad investment, but it also won't drive financial growth by itself. Think of it as a solid holding zone, not a strategy for financial growth.
