I reached $138k today. Thank you for all the knowledge and insights you've shared with me over the past few months. I began this journey in October 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area. Thanks so much Natalie Rose Strayer.
For all thos BTC critic's ... they all wish they could have bought it at 1k, 10k, 20k, 30k, 40k, 50k, 60k... just imagine how much gold you could buy with the amount of profits. Gold is not the future. It's too heavy and too slow. Crypto is the future. And you can beleive or not believe. But we can all agree that you and I would have been much better off had we bought BTC any time in the past. Now all that said. I think BTC goes to a million but it goes to 200k first. Any massive pullback in it... is a trade not a hold. Same for gold and sliver. Rich don't hold tops ... they trade........ I have managed to grow a nest egg of around 3b"tc to a decent 26B'tc in the space of a few months. Amidst this, the insights of a knowledgeable guide like that of Aria Cookings Crypto can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends.
Trading without professional guide is such a big mistake, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders.
The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.
Also, don't take advice from the UA-cam comment section if they recommend any individual stocks (companies) or crypto, or name drop a ' 'professional' that they recommend. Stick to the information provided by Toby in his videos. These are most likely bots trying to advertise scams with comments that are designed to look helpful.
Most people think, investing in crypto is all about buying coins and leaving it to rise, come on it takes much analysis to be a successful crypto trader.
Trading without professional guide...Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders
You're right! I have lost a lot trading all by myself without a guide. It's been an uneasy ride for me. Who is your mentor please. how can i reach her i really need help in this bear market now?
Merry Christmas Toby, and thank you for holding my hand this year on my first year using Trading 212 and my stocks ISA. I am up 16% on my ETF and fingers crossed it will be up this time next year. In the words of some I know well “this time next year we will be millionaires” “or on the way” Thanks again for some of the best content on UA-cam
Great video toby , I’ve been banging on to my partner about doing this for sometime, your the reassuring voice she needs , so new year new plan for her 👍🏻👌🏻
Nice one as always Toby. I've used your pie. I'm quite late to start investing (I'm 42) but better late than never. I've just switched from Vanguard due to the fees. Started last year.
Went with the ftse developed world accumulating, always wondered why rami,Damien,chris prefer this and you prefer the ftse all world. Been investing 4 months so far so good
There’s very little difference between developed world and the all world - it’s about diversification. But remember that the emerging markets only make up about 10% of the equity market anyway.
Personally I just like to own the world at its market cap weights. For all I know the UK might have a great few years considering how cheap the market could be argued to be. But feel free to do what you like 👍
I'm living in the UK and having watched this, I've just now noticed that my Vanguard FTSE All-World (Acc) is the European version (VWCE and not VWRP). Would there be any benefit in switching to the RP?
If you’re buying in euros then you are taking on that currency risk. Every time you buy with your pounds you are costing yourself an exchange rate. In the long term I’d prefer to just use pound
@@TobyNewbatt That makes sense, so thanks! I've already used up my ISA annual allocation so I'll have to wait until April as if I sell the euro version, I won't then be able to buy the sterling one. I really do appreciate the reply, so thanks again :) Hopefully, others won't now make the same mistake
Regardless of a fund's currency denomination, investors are only exposed to the currency of underlying assets (here it's USD). Thus you have no additional currency risk compared to someone using VWRP unless Vanguard starts hoarding Euro fund investors' cash rather than investing, against the remit of the fund. The thing of concern is whether or not you're needlessly paying fund/broker conversion charges, but other than that the denomination itself is irrelevant.
is there any danger with the platform going under? if you have an account with Invest engine but the company fails or the app gets shut down or something? is that a possibility?
I wouid do some due diligence. Plenty of free videos and advice on UA-cam. Plenty of brilliant books out there . Never invest in something you dont understand. Your money protected up to £85K . Read up about DCA and ETF'S. Good luck ❤
Season greeting Toby. Just woken up from hangover and watching you in bed on 65inch 4K tv (Samsung) with mug of English Breakfast Tea (PG). All the best for 2025 will be investing in bonds this year (£865)
If you don't fancy indexing why don't you pick individual stocks to buy? You could come back in a few years and let us know how it worked out for you. Good luck.👍
That’s not how indexing works unfortunately. Make sure you understand it. The weighting is market cap based. It means the biggest companies get the largest portion. The top companies make up 25-30% of the index. With an index fund you can’t over diversify 👍. It’s a myth spread by grifters
@kw8757 yeah. So i was looking into Magnificent 7. Biggest companies like. Amzn, Msft, Meta, Goog, Ely Lily. Was thinking of putting 5-10% in those. And exit based on Monthly MACD crossing its signal line
Toby - great video - very helpful thank you. One question, I know the share value can go up and down and there is no protection like that, but what if the trading platform such as 212 collapses - is there are UK regulatory protection on getting our money out or back (such as the £85K government guarantee on savings accounts). This would be really useful to know as if I'm investing more than this limit I would know to use multiple platforms. Do you have any info on this?
Thanks, you kept it succinct. Others blind with terms and theories that cause confusion. Have made an initial venture into the 'World' pie and so it starts.
Hi Toby. I started my investment journey this year putting money each month into the S&P. I can see the long term potential investing has on growing your cash. My dilemma is that I’ve been one of those people that has used an ISA savings account to save money. I can see the wasted opportunity doing this now but unfortunately I was none the wiser at the time because I thought investing was something for professionals or the super wealthy. My question is what is the best way of moving a large amount of funds (25K+) from a cash ISA into a Stocks and Shares ISA. Doing it in one hit isn’t optimal but drip feeding that into a S&P account will take a substantial amount of time also. Any thoughts on what you would consider doing? Maybe a video for those people with large amounts in a cash ISA and are looking to transfer it into the S&P for example.
Trading 212s S&S ISA pays interest on uninvested cash. I would transfer in the whole lot utilizing this and next year's allowance and set up an automated buy. Your uninvested cash will still earn interest similar to your cash ISA.
Who says moving it in one lump sum isn't optimal? Everything I've watched and read says moving it in a lump sum rather than dollar-cost-averaging gives better results over the loner term. You can only do what you are comfortable doing with your hard earned money. But for me it's a case of whack it in ASAP, and up to now, despite the ups and downs I don't regret it. There are also more diversified alternatives to the S&P 500, the US Equity Index Fund represents over 3600 US companies of all capitalisations and was advocated by Jack Bogel, but thats entirely up to you. Good luck for 2025 👍📈
@@JoashD Hi Joash. I transferred my Cash ISA to Trading 212 this year as well when I saw the interest returns compared to my banks rate. The roughly 5% return on that has been good. As we know interest rates are likely to go down so that sort of rate won’t last medium/long term. Transfer if it all eventually into a Stocks and Shares ISA going to give a better return long term but it’s just working out the best way to do it. With talk of a correction, who knows, I’m thinking about waiting for a possible dip and then to invest the bulk. Kinda like what Warren’s doing with his money. I’m not comparing my situation to his, just his cautious approach at the moment. In the meantime I’ll just invest in smaller increments each month as I have been doing this year.
If all the cash is meant for the long-term (5+ years, some more cautious would say 10+ for 100% equities) then the markets are expected to provide a better return than cash. Historically, lump sum investments have beaten drip-feeding the majority of the time. No-one can know what's 'best' this time round until it's happened, nor know how next year's 43% crash/16% gain will impact your investing behaviour. It's this final point (avoiding emotional inveator behaviour) which will ultimately have the greater bearing on future wealth rather than lump sum or drip-feeding of £25k.
Is property not the best option If you have a large pot of cash? I bought a house in Belfast for 88k in 2017. Now worth 220k, mortgage of 46k ~ £440 a month, currently renting for 1150. For the initial outlay of 22k + fees i have made 150k in equity + 4.5k a year in rent after bills including mortgage, insurance etc. My 16k isa has made me 1200 in 3.5 years. My gold coins have appreciated faster!
Over the long run stocks have beaten property by an enormous margin. You just need to look at the data. Property has done well during certain time frames with zero interest rates but there’s no free money anywhere. On your isa I am presuming you are talking about a cash IsA? Whatever you have there you are being taken for a ride. Use your isa for the better. All tax free. Property has so many make hidden costs you need to factor in
@TobyNewbatt it's a vanguard stocks and shares isa. I put 250 a month in after putting 3k in to open it. Just cehcked and ive made 1860 since it opened. With my first property, for 22k I have made, in total, nearly 200k, if I total the rental income and equity. Don't think any mainstream stocks are doing 900%. I also don't have to do anything. Its completely managed for me and dont know what tax your talking about other than income tax. When the mortgage is paid in 9 years, completely by rental income, it will be worth 300k and I will have made 80-100k over 16 years in rent after tax. So for 22k in 16 years I'll have made close to 400k. My tax bill on this property is through personal income tax and = 7.5k a year. Stamp duty is expensive but I won't pay that unless I buy another house. Sorry, I just cant see the math you all talk about or even an example that's better than the one I've detailed if you could show one? I bought another house in 2022. 147k now worth 200k and renting for 950 mortage is 612. After bills I make £60 a month but again I don't pay anything and it just goes up in value. Stamp duty was 5.5k. If I sold today I'd make around 35k after capital gains. 2 years for 35k with 40k invested - again i can't see any stock examples beating this if you can share one. I would sell up tomorrow
Would you have any examples or direct me to the 'data' your talking about? If i sell up, my CG tax is 19k so I'll have made 120k from 22k in 7 years plus the 7 years rental income. If you have a stocks example that beats that I'd sell up today! I'm really not trying to catch you out btw. Buying the first house was easy buying my 2nd house took 18 months and it only makes 60 a month after all my bills but has still went up in value by 25% since Feb 2022. Is Northern Ireland just a different market atm?
@ there’s tonnes of data you can start here if you like: awealthofcommonsense.com/2021/05/200-years-of-asset-class-returns/ This shows long term returns across more than 2 centuries for all asset types. Doesn’t mean you didn’t make money in your personal situation. Property is highly illiquid, can’t be protected inside a pension or an ISA and has maintenance costs that get forgotten about 😀. It’s a liability and an asset at the same time
Yes true. But past performance is totally irrelevant when investing for the future 👍. It’s a lesson we all need to learn but nobody listens to unfortunately. If you chase the hottest stocks and trends you’ll end up like everyone else - underperforming massively! 👍👍. Also you own all the big stocks in any index fund -
I really appreciate your efforts! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
I reached $138k today. Thank you for all the knowledge and insights you've shared with me over the past few months. I began this journey in October 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area.
Thanks so much Natalie Rose Strayer.
I'm surprised that you just mentioned and recommended Natalie Strayer, I met her at a conference in 2018 and we have been working together ever since
The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.
You trade with Natalie Strayer too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.
For all thos BTC critic's ... they all wish they could have bought it at 1k, 10k, 20k, 30k, 40k, 50k, 60k... just imagine how much gold you could buy with the amount of profits. Gold is not the future. It's too heavy and too slow. Crypto is the future. And you can beleive or not believe. But we can all agree that you and I would have been much better off had we bought BTC any time in the past. Now all that said. I think BTC goes to a million but it goes to 200k first. Any massive pullback in it... is a trade not a hold. Same for gold and sliver. Rich don't hold tops ... they trade........ I have managed to grow a nest egg of around 3b"tc to a decent 26B'tc in the space of a few months. Amidst this, the insights of a knowledgeable guide like that of Aria Cookings Crypto can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends.
Aria Cookings program is widely available online
The internet is filled with so many useful information about Aria Cookings crypto
Trading without professional guide is such a big mistake, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders.
The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.
Productivity is never accidental; it is always the result of careful planning, dedication, and consistency.
Also, don't take advice from the UA-cam comment section if they recommend any individual stocks (companies) or crypto, or name drop a ' 'professional' that they recommend. Stick to the information provided by Toby in his videos.
These are most likely bots trying to advertise scams with comments that are designed to look helpful.
I wish Google would do something about these.
I hate this bots so much I even have the filters turned on and it does nothing at all. Takes me all day to keep blocking and reporting them
Buy Berkshire Hathaway A series
Hello, I want to start investing, but I'm unsure where to start. Do you have any advice or contacts for assistance?
Trading in Bitcoin now is the wisest thing to do now especially beginner....
Most people think, investing in crypto is all about buying coins and leaving it to rise, come on it takes much analysis to be a successful crypto trader.
Honestly I really need help learning to trade. Seeing my portfolio low makes me very sad.
Trading without professional guide...Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders
You're right! I have lost a lot trading all by myself without a guide. It's been an uneasy ride for me. Who is your mentor please. how can i reach her i really need help in this bear market now?
Good timing, for the last few weeks my youngest Nephew has asked me to explain how to invest his pocket money. Am going to start with this video.
Hope this helps!
Thanks for all the content you made this year, Toby! Wishing you and yours every happinesss in 2025.
Adrian thank you for your support and massive contribution to the community via the comments - it does not go unnoticed :)
Trading 212 got me into investing on 2020. It was a rough ride, but I have zero regrets. Thank you for the video Toby!
haha yes it has been a bumpy ride but I'm sure you are glad you started :)
Happy holidays Toby and all the best for 2025 🎉 great video for beginners.
Same to you!
I’m a “seasoned” investor but I’ve just recommended this particular video to my mate just now
Always grateful thank you! I want to try and keep as much as simple as possible as you know investing can get really complicated! 👌👌👌
Well done Toby, great video 👍🏻
Excellent informative video 👍
Glad it was helpful!
Merry Christmas Toby, and thank you for holding my hand this year on my first year using Trading 212 and my stocks ISA. I am up 16% on my ETF and fingers crossed it will be up this time next year.
In the words of some I know well “this time next year we will be millionaires” “or on the way”
Thanks again for some of the best content on UA-cam
Thank you!! And good luck
Great video as always Toby.
Thanks again!
Great video, thanks Toby
Thanks for the video Toby, a great resource for new investors.
Glad it was helpful!
Great video toby , I’ve been banging on to my partner about doing this for sometime, your the reassuring voice she needs , so new year new plan for her 👍🏻👌🏻
Good luck!!
Nice one as always Toby. I've used your pie. I'm quite late to start investing (I'm 42) but better late than never. I've just switched from Vanguard due to the fees. Started last year.
Never ever too late - welcome aboard the rollercoaster of investing :)
Perfect timing 😂🎉🎉❤
Went with the ftse developed world accumulating, always wondered why rami,Damien,chris prefer this and you prefer the ftse all world. Been investing 4 months so far so good
There’s very little difference between developed world and the all world - it’s about diversification. But remember that the emerging markets only make up about 10% of the equity market anyway.
Thank you
you are very welcome :)
Toby with the xmas upload i see u
Providing the entertainment when theres nothing to watch on tv 🎅
@TobyNewbatt As someone that doesn't care about the holidays, I appreciate that. Now I at least had a vid to watch while eating lunch😎👍
Would you suggest index funds ex-UK?
Personally I just like to own the world at its market cap weights. For all I know the UK might have a great few years considering how cheap the market could be argued to be. But feel free to do what you like 👍
I'm living in the UK and having watched this, I've just now noticed that my Vanguard FTSE All-World (Acc) is the European version (VWCE and not VWRP). Would there be any benefit in switching to the RP?
If you’re buying in euros then you are taking on that currency risk. Every time you buy with your pounds you are costing yourself an exchange rate. In the long term I’d prefer to just use pound
@@TobyNewbatt That makes sense, so thanks! I've already used up my ISA annual allocation so I'll have to wait until April as if I sell the euro version, I won't then be able to buy the sterling one. I really do appreciate the reply, so thanks again :) Hopefully, others won't now make the same mistake
Regardless of a fund's currency denomination, investors are only exposed to the currency of underlying assets (here it's USD). Thus you have no additional currency risk compared to someone using VWRP unless Vanguard starts hoarding Euro fund investors' cash rather than investing, against the remit of the fund.
The thing of concern is whether or not you're needlessly paying fund/broker conversion charges, but other than that the denomination itself is irrelevant.
is there any danger with the platform going under? if you have an account with Invest engine but the company fails or the app gets shut down or something? is that a possibility?
I wouid do some due diligence.
Plenty of free videos and advice on UA-cam.
Plenty of brilliant books out there .
Never invest in something you dont understand.
Your money protected up to £85K .
Read up about DCA and ETF'S.
Good luck ❤
Check if they are covered by government insurance for this. Trading212 covers you up to 86k if something happens to their platform
Season greeting Toby.
Just woken up from hangover and watching you in bed on 65inch 4K tv (Samsung) with mug of English Breakfast Tea (PG).
All the best for 2025 will be investing in bonds this year (£865)
More detail needed 🎅
Doesn't an index overdiversify? You would have something like 0.0001% in a stock
If you don't fancy indexing why don't you pick individual stocks to buy? You could come back in a few years and let us know how it worked out for you. Good luck.👍
The index such as s&p 500 will move more of your money into the better performing companies..(vusa) 👍
That’s not how indexing works unfortunately. Make sure you understand it. The weighting is market cap based. It means the biggest companies get the largest portion. The top companies make up 25-30% of the index. With an index fund you can’t over diversify 👍. It’s a myth spread by grifters
@kw8757 yeah. So i was looking into Magnificent 7. Biggest companies like.
Amzn, Msft, Meta, Goog, Ely Lily. Was thinking of putting 5-10% in those. And exit based on Monthly MACD crossing its signal line
@TobyNewbatt ah so. So would it not be worth just investing in the top 20-40 companies of the s&p500, for example instead?
Toby - great video - very helpful thank you. One question, I know the share value can go up and down and there is no protection like that, but what if the trading platform such as 212 collapses - is there are UK regulatory protection on getting our money out or back (such as the £85K government guarantee on savings accounts). This would be really useful to know as if I'm investing more than this limit I would know to use multiple platforms. Do you have any info on this?
I’ve done a video on this topic before if you go back on my channel. I think it’s called something like what happens if your broker goes bust!
Thanks, you kept it succinct. Others blind with terms and theories that cause confusion. Have made an initial venture into the 'World' pie and so it starts.
Thanks Paul - this is what I wanted to do with this vide start simply and then have other videos to build out in a bit more detail :)
Hi Toby. I started my investment journey this year putting money each month into the S&P. I can see the long term potential investing has on growing your cash.
My dilemma is that I’ve been one of those people that has used an ISA savings account to save money. I can see the wasted opportunity doing this now but unfortunately I was none the wiser at the time because I thought investing was something for professionals or the super wealthy.
My question is what is the best way of moving a large amount of funds (25K+) from a cash ISA into a Stocks and Shares ISA. Doing it in one hit isn’t optimal but drip feeding that into a S&P account will take a substantial amount of time also. Any thoughts on what you would consider doing? Maybe a video for those people with large amounts in a cash ISA and are looking to transfer it into the S&P for example.
Trading 212s S&S ISA pays interest on uninvested cash. I would transfer in the whole lot utilizing this and next year's allowance and set up an automated buy. Your uninvested cash will still earn interest similar to your cash ISA.
Who says moving it in one lump sum isn't optimal? Everything I've watched and read says moving it in a lump sum rather than dollar-cost-averaging gives better results over the loner term. You can only do what you are comfortable doing with your hard earned money. But for me it's a case of whack it in ASAP, and up to now, despite the ups and downs I don't regret it. There are also more diversified alternatives to the S&P 500, the US Equity Index Fund represents over 3600 US companies of all capitalisations and was advocated by Jack Bogel, but thats entirely up to you. Good luck for 2025 👍📈
@@JoashD Hi Joash. I transferred my Cash ISA to Trading 212 this year as well when I saw the interest returns compared to my banks rate. The roughly 5% return on that has been good. As we know interest rates are likely to go down so that sort of rate won’t last medium/long term. Transfer if it all eventually into a Stocks and Shares ISA going to give a better return long term but it’s just working out the best way to do it. With talk of a correction, who knows, I’m thinking about waiting for a possible dip and then to invest the bulk. Kinda like what Warren’s doing with his money. I’m not comparing my situation to his, just his cautious approach at the moment. In the meantime I’ll just invest in smaller increments each month as I have been doing this year.
If all the cash is meant for the long-term (5+ years, some more cautious would say 10+ for 100% equities) then the markets are expected to provide a better return than cash.
Historically, lump sum investments have beaten drip-feeding the majority of the time.
No-one can know what's 'best' this time round until it's happened, nor know how next year's 43% crash/16% gain will impact your investing behaviour. It's this final point (avoiding emotional inveator behaviour) which will ultimately have the greater bearing on future wealth rather than lump sum or drip-feeding of £25k.
Is property not the best option If you have a large pot of cash? I bought a house in Belfast for 88k in 2017. Now worth 220k, mortgage of 46k ~ £440 a month, currently renting for 1150. For the initial outlay of 22k + fees i have made 150k in equity + 4.5k a year in rent after bills including mortgage, insurance etc. My 16k isa has made me 1200 in 3.5 years. My gold coins have appreciated faster!
Over the long run stocks have beaten property by an enormous margin. You just need to look at the data. Property has done well during certain time frames with zero interest rates but there’s no free money anywhere.
On your isa I am presuming you are talking about a cash IsA? Whatever you have there you are being taken for a ride. Use your isa for the better. All tax free. Property has so many make hidden costs you need to factor in
@TobyNewbatt it's a vanguard stocks and shares isa. I put 250 a month in after putting 3k in to open it. Just cehcked and ive made 1860 since it opened. With my first property, for 22k I have made, in total, nearly 200k, if I total the rental income and equity. Don't think any mainstream stocks are doing 900%. I also don't have to do anything. Its completely managed for me and dont know what tax your talking about other than income tax. When the mortgage is paid in 9 years, completely by rental income, it will be worth 300k and I will have made 80-100k over 16 years in rent after tax. So for 22k in 16 years I'll have made close to 400k. My tax bill on this property is through personal income tax and = 7.5k a year. Stamp duty is expensive but I won't pay that unless I buy another house. Sorry, I just cant see the math you all talk about or even an example that's better than the one I've detailed if you could show one? I bought another house in 2022. 147k now worth 200k and renting for 950 mortage is 612. After bills I make £60 a month but again I don't pay anything and it just goes up in value. Stamp duty was 5.5k. If I sold today I'd make around 35k after capital gains. 2 years for 35k with 40k invested - again i can't see any stock examples beating this if you can share one. I would sell up tomorrow
Would you have any examples or direct me to the 'data' your talking about? If i sell up, my CG tax is 19k so I'll have made 120k from 22k in 7 years plus the 7 years rental income. If you have a stocks example that beats that I'd sell up today! I'm really not trying to catch you out btw. Buying the first house was easy buying my 2nd house took 18 months and it only makes 60 a month after all my bills but has still went up in value by 25% since Feb 2022. Is Northern Ireland just a different market atm?
Are you saying that the same house you bought in Belfast for £88k is now worth £220k?
@ there’s tonnes of data you can start here if you like: awealthofcommonsense.com/2021/05/200-years-of-asset-class-returns/
This shows long term returns across more than 2 centuries for all asset types. Doesn’t mean you didn’t make money in your personal situation. Property is highly illiquid, can’t be protected inside a pension or an ISA and has maintenance costs that get forgotten about 😀. It’s a liability and an asset at the same time
The Magnificent Seven is +67% in 2024.
Nothing stays Magnificent for every. So investing in just MAG7 only is stupid mistake! Best to put in S&P as it includes mag 7 anyways
Yes true. But past performance is totally irrelevant when investing for the future 👍. It’s a lesson we all need to learn but nobody listens to unfortunately.
If you chase the hottest stocks and trends you’ll end up like everyone else - underperforming massively! 👍👍.
Also you own all the big stocks in any index fund -
I really appreciate your efforts! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?