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Just now, I was watching the mempool again. During congestion, it really feels like rush hour: your transaction just enters the waiting hall, and then it depends on how miners/validators pick transactions, how they cut in line, and how they sort by fee. The more annoying thing is when the nonce gets stuck; if the previous transaction isn't packed, all subsequent transactions from the same address have to wait together. The more I watch, the more frustrated I get—it's clear I’ve already clicked send.
Recently, there's been talk about increasing taxes and tightening compliance in certain regions. I understand why everyone gets anxious and wants to quickly deposit or withdraw funds, but during these times, the chain is most likely to get congested. Impulsively chasing fee rate changes is basically paying a "slippage tax" on yourself. My current habit is pretty simple: I write down what I need to do in a sentence next to it, wait two minutes, then decide whether to send; if I do send, I try not to send multiple transactions with the same nonce in a row. I prefer to split them up and go slower—it's better than risking getting stuck on a nonce issue, and saving that tiny bit of time isn’t worth the hassle.