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Otherwise keep as much as you want and use it when you feel like.
Finally an actual answer, thanks so much :)
Many years ago, "gift certificates" in store chains generally speaking became 'never expired' - so you've technically already SPENT that money on Steam. It's just waiting for the right thing to be applied to, regardless of how long it's been sitting there.
Yeah thats fine I plan on using it all on steam anyway, just was worried it would freeze my money somehow like what paypal tends to do when keeping large sums of money sometimes.