*Note: I am not a financial advisor.*
### This article will explain the 20% Cream Rule.
Sure, it's not an exact science and there's no actual trading term called the 20% Cream Rule. But, this is a **tried and true** method for people who have surfed the waves of the cryptosphere for long enough to know more than just how to yell HODL! every time they see a red candle.

By the way, HODL=Hold or Hold On For Dear Life or [the true story](https://bitcointalk.org/index.php?topic=375643.0).

https://s20.postimg.org/8wjtjtfn1/rsz_1a.jpg

### There will be 3 parts:
1. Why are cryptos votalite
2. What Can I Do?
3. **The 20% Cream Rule**

### 1. Cryptos are highly volatile because: 
* They are invisible. 
>Good luck selling something invisible. Especially for 10K.
* They are not widely used.
* They are associated with CRIMINALS.
>"The Bitcoin is just money for murderers and drugies." 
>"Easy, Grandma, give it a chance."
* Regulations have yet to be figured out.
* Half of everyone in Crypto still secretly wonders... 
>What if it really is a bubble?

### 2. What Can I Do?

Well you have options:
1. You can panic sell when the market dips or when the Chinese New Year is upon us.
2. You can yell HODL, and hope that there's enough noobs or men away on business trips, to not pull out, until the FUD disappears.
3. You can do a shit ton of research and guess which coins will not be affected by the dips, based on upcoming news, stability, or cool polygons.
4. You can use the 20% Cream Rule.

### 3. The 20% Cream Rule
No need to watch, unless you really want to!
https://www.youtube.com/watch?v=0X-0M5QBbcs

The top 20% (ish) of cow milk is cream.
So how the hell is this related to crypto?
I'm glad you asked.

If the market is not having a crazy day, I always keep roughly 20% of my money as USD (or insert fiat of choice or Tether (but do your own research on Tether, cause I'm skeptical as hell)).

### 20%. This is the cream I have taken off the top.

So if the market goes up a lot.
>Then I take some more cream off the top (as high as 30% in USD).

If  the market stays the same or goes up or down a little.
>I keep my USD at roughly 20%.

If  the market goes down a lot.
>I wait until recovery begins, and then I spend all my USD/fiat/Tether.

And as the market recovers, I start taking that cream off the top again.
And this method actually gets my crypto community excited for the dips!

https://s20.postimg.org/6rzgitlr1/rsz_12a.jpg

No, not those dips. 
I'm talking about the ones that make everyone scared to death.
>"The Bubble, ahhhh, my invisible money is disappearing, HODL, red candles, Grandma!"

Cause as Warren Buffet said, "Be fearful when others are greedy and be greedy only when others are fearful."

<center> **And lastly, which I may write an article about in the future, I also have a evacuation plan that—I am not kidding—I have practiced and timed. Because I'm just weird like that.**

*Festina Lente*</center>

<center>Follow Me **@redbagofcourage**
Or participate in daily contests on my [SteemIt Blog](https://steemit.com/@redbagofcourage)</center>