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James asked me which foreign currencies should I hold Im Andrew Henderson this is one minute nomad being diversified with your currencies is an important part of being a nomad accomplice now Im not going to give you specific financial advice but Ill tell you what I do its a four part system called hurt H IRT part 1 hedge my base currency is the US dollar so I want to find currencies that are hedge against that high quality currencies like the Singapore dollar the Hong Kong dollar may be the Swiss franc just to hold the second part is invest lets say I want to buy a home in Malaysia in the next year I want to hold Malaysian Ringgit to protect me against currency fluctuations in some cases you can do that with a simple contract or futures contract but not with all currencies so I might want to invest the third part is return I might want George and Lara Armenians RAM because they pay a high interest rate and the third part is travel where am i traveling where am i living I want to