100% direct deposit to bitcoin on strike, as much low interest debt as possible (mortgage + heloc,) negative bank balance with overdraft protection. Pay all bills possible with credit cards for free 30 day loan, then pay those bills with automatic bill pay from bitcoin strike balance.

In a nutshell, the largest fiat debt that makes sense and 100% bitcoin.

I don't have a very precise process, but I use the various stacking tools at Fold and occasionally adjust them upwards when I notice that I'm accumulating fiat.

Otherwise, I'm just trying to gradually shift towards earning more bitcoin and spending more with bitcoin merchants.

90 percent bitcoin, 10 percent fiat for paying bills

rebalance monthly

I think @freetx suggested this 2 years ago

Great question this is something every Bitcoiner has to wrestle with eventually when transitioning from theory to real-life usage.

Personally, I follow a split-budget approach: Fiat for monthly necessities — rent, groceries, transportation — all handled through a traditional bank account or stable Lightning-enabled apps like Strike or Blink (depending on region).

Bitcoin for long-term savings I DCA weekly into cold storage and treat it like my “no-touch” savings account.

Lightning for daily coffee money or smaller transactions when I want to support circular economy vendors or stack sats by spending.

I follow a basic rule of thumb: 70% fiat (expenses + buffer) 30% Bitcoin (DCA + hold) If I get an unexpected income boost, I flip that and allocate more to BTC.

As for tools, I’ve found Alby and Muun Wallet useful for visualizing spending vs saving. And I’ve started tracking things in Notion just to stay sane.

This hybrid lifestyle isn’t always clean sometimes I overspend in fiat and have to hold off DCA for a week but that flexibility helps me stay committed long-term without burning out.

Curious to hear what systems others are using too. We need more practical strategies like this discussed!

bank: 0 credit: maxed

Use LN whenever possible which is not as much as I would like as so few merchants accepting but I definitely preference any merchant who does take sats. Due to the massive state and bankster obstruction of sats MoE utility I am forced to mostly use sats for saving. I keep enough fiat shitcoinery to pay bills as most can only be paid with fiat shitcoins...but most of my savings are in sats...increasingly so as fiat shitcoins constantly debasing toward zero! Use your monetary power to support sats accepting merchants wherever they are available as it is still a challenge for most merchants to accept due to general population ignorance, msm fud, bankers threats of debanking in many places still and almost universal state obstruction via imposed tax complexity and inequity.

Nah, money is fungible — everything jumbled around

I weekly DCA weekly and put any spare money into bitcoin at the end of the month. I start the month with the same amount of money in my checking account always.