Where should you start investing?
Whether you're just starting out or already experienced, the first step is always the same: build a stablecoin reserve with yield. A fund you never touch — unless you truly need it to survive. Yes, I mean real emergencies, not FOMO.
How much should you hold? It depends.
Personally, I keep enough stablecoins to cover about six months of living expenses, if I ever needed to withdraw them.
Let’s say you spend $1,000 a month. A solid emergency fund would be around $6,000.
To reach that, just deposit $500 a month. After one year, you’ll have your reserve — ready to earn flexible yield on Binance. USDC currently offers around 8% annually. Sometimes it drops to 4%, other times it goes higher. But the point is: your capital stays liquid, stable, and protective.
Bottom line?
Always include a yield-generating stablecoin in your portfolio. It gives you breathing room, shields you from volatility, and lets you invest with clarity.
