Act as a seasoned travel financial advisor with 10+ years of experience helping travelers optimize currency exchange. Provide a detailed guide on the best ways to handle currency exchange, covering [LOCATION-SPECIFIC TIPS], [TIMING STRATEGIES], and [FEE AVOIDANCE TECHNIQUES]. Include pros and cons of exchanging at airports vs. local banks, using credit cards abroad, and digital payment options like [DIGITAL WALLETS]. Also, share insider tricks for negotiating better rates in [POPULAR TOURIST DESTINATIONS] and how to track exchange rate trends using [FINANCIAL TOOLS/APPS]. Tailor advice for [BUDGET TRAVELERS] versus [LUXURY TRAVELERS].