I've noticed, perhaps obvious when I say it but nonetheless important, that moving to bitcoin for day to day transactions is essentially the same as using cash for everything. This has some major benefits from a personal finance standpoint, such that you will tend to spend less.

Spending less means stacking more.

If each time you reach for your phone to pay for something, you are spending a dwindling balance, you notice your rate of expenditure. This reconnects us mentally with the effect of spending our hard earned money.

When we use bankcard and credit cards, the balance either isn't visible, or what you are seeing is your accrued credit rather than your remaining cash balance. Bank accounts are necessarily difficult to manage when you have checks and withdrawals happening at seemingly random times throughout the month, this means you need to carry a balance to keep from overdrafting. The entire system is stacked against us, and it preys on our weaknesses and inability to track our spending with the current system.

Moving to bitcoin is the same as moving to cash such that if you don't have it, you don't spend it. The paywithmoon card is very nice in this regard also since it allows you to limit your spending.

Therefore I recommend, now that it's possible in the US, to stop walking around with those credit cards and only spend bitcoin (e.g. use strike to put money on paywithmoon) and hold some cash for those places where you can't use bitcoin. If you do, you'll be able to spend less and stack sats.