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Haha, everyone's worried about all the crypto prices.

i'd put some cash in the exchange but everything would go up by the time I'm ready to buy...

Unless you buy it with your card. Then it's ready like instantly.

I'm trying to understand why I didn't know this already.

Ya I know what you mean, because I didn't know before. It's great to get it instant, but I think there is a little more of a fee.