<prompt> Human: While I get that rpf doesnt recommend currency speculation, I think this is a little bit different. Whether it goes up or down, I just want to lock in current pricing.Whats the easiest way to do this? And how do the taxes work out for this? For instance, if I put money into the euro and then the euro goes way up, do I have to pay currency gain taxes even I spend it Never actually realize the gains in USD? Its probably not that hard to find a bank that can hold euro, but how can I spend it? Is it possible to find a debit or credit card from the USA that will let me directly spend euros?Any thoughts?  <response>: Also keep in mind that you dont want to travel around with thousands of euros in your pocket. Its just too big a risk of losing it or being robbed. Thats not worth it. And it will probably reduce the amount of fun youll have on your holiday, always having to make sure that the money is safe. 