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It is better to have usdt for now as the price of btc has skyrocket

Is depends on your strategies, for me there are 2 choices:- 1.If you wish to retain your gains, you will have to convert your crypto into fiat / stable coin and wait for a pull back. 2. If you wish to increase your satoshi, get some fundamentally good ALTs which had huge discount now and ride the wave to the upside. Good luck

just save USDT (flat rate) i did

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Speculating on prices is good but you can do better than Holding when you learn to use crypto in a proper way of earning like investing on it Remitano invest of swapping at advantages to gain more from the other.

buy BTC, is good for now

i suggest to save Flat rate

buy crypto what are you waiting for?