divide salary into
a.base expenses.
b. reserve with quick access
c. reserve for future
never invest into only 1 asset.
mix for example: stocks, bitcoin, gold, bonds...

i agree with posts above. ico regulation in china had impact on eth. ico regulations will continue in other countries too. so less eth needed atm. bitcoin going for a fork means people speculate on free alt coin.

also, check pm if you like p2p transaction.

>>However, since he's completely free do add any valid transaction to his block, he can also add transactions with lower fees because of "reasons". It might not be wise, since he's missing out on the biggest fees, >>hence, losing money.

i am stuck with a 2btc txn for over 72hours. zero confirmations. 57sat/B fee.
maybe unlucky or the network is simply under too much pressure, but its one of my first spendings and i feel bad as a user.

I hope a miner can help. dont know what elese to do.  i will never use low fees again, but i doubt that a network design, which allows such big backlog is able to process/scale in future well.
maybe the core developer will try harder to achieve a better transaction/sec processing.

(ps: contacted 2 miner here per personal message, maybe they can)