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If I buy $20 worth today, how much do you think that'd be worth in the coming months?

Unfortunately, there's no way of knowing how much that you're going to make or lose from your buying of $20 worth of Bitcoin now when it's one month later or one year later. When the volatility of market is bullish after you bought and how high it went, may see $50, $60 to $100 or more in your spot wallet. When the volatility of market is bearish, you might wake up to $1 or nothing in your account.
 

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