A guide. Built from experience. Hope it helps. Leave your thoughts.

Live on BitcoinLive on Bitcoin

No fiat. Use UTXOs—unspent transaction outputs. Your coins, unspent, ready to roll. Keep it private. Works for any BTC—0.1 or 10.

The SplitThe Split

How It WorksHow It Works

Weekly Spending (5%)Weekly Spending (5%)

Food. Gas. Coffee. Everyday buys.

• 1 BTC: 0.05 BTC. Split into 12 UTXOs. Each ~0.00416666 BTC. One per month.
• Newcomers: UTXOs are cash piles. Break your BTC into these.
• Fund a Lightning wallet—fast, cheap. Spend it. Refill monthly from Cache.

Checking (10%)Checking (10%)

Rent. Power. Internet. Bigger stuff.

• 1 BTC: 0.1 BTC. 12 UTXOs. ~0.00833333 BTC each. One per month.
• Newcomers: Bill money. Separate piles.
• Pay BTC direct if they take it. Or Lightning. Or P2P—swap for goods.

Short-Term Savings (20%)Short-Term Savings (20%)

Trips. Gear. Rainy days. Near future.

• 1 BTC: 0.2 BTC. 5 UTXOs. 0.04 BTC each. One per year.
• Newcomers: Backup stash. Or big plans soon.
• Sit on it. Need cash? Break one UTXO into smaller bits.

Long-Term Savings (65%)Long-Term Savings (65%)

Old age. Wealth. Far off.

• 1 BTC: 0.65 BTC. 10 UTXOs. 0.065 BTC each. Big chunks.
• Newcomers: Nest egg. Don’t touch yet.
• Hold long. Later, split for yearly use.

ExamplesExamples

Fiat at Big NumbersFiat at Big Numbers

Bitcoin hits $1,000,000. It happens.

• 1 BTC: $50,000 Weekly. $100,000 Checking. $200,000 Short. $650,000 Long.
• 0.1 BTC: $416 a month from Lightning. Still buys plenty.
• Newcomers: BTC buys more then. Less gets you far.
• Fiat needed? Swap 0.0001 BTC. That’s $100. Keep it quiet.
• Scales up. Scales down. Hold more. Spend smart.

The RulesThe Rules

• UTXOs: Split clean. Watch fees—small BTC, fewer piles. Time splits when fees dip.
• Privacy: Coin control—pick your coins. Lightning hides tracks. Mix big spends if you must.
• Spending: Lightning for daily. BTC for bills. P2P if stuck.
• Scale: Same split. Fits any BTC. Adjust ratios if life demands it.

The 3 Bank SystemThe 3 Bank System

Wallets split your BTC life into three lanes. **Cache. Hodl. Spend. **
(Credit: @DarthCoin)

CacheCache

• Point of entry. Coin management.
• BTC lands here—paychecks, trades.
• Split UTXOs with Sparrow or Electrum. Coin control lives here.
• Hot wallet. Keep it secure—not sloppy.

HodlHodl

• Savings wallet. Short and long term.
• Takes your 20% Short-Term and 65% Long-Term.
• Cold storage—hardware wallet (Trezor, Ledger) or paper, locked up.
• Big UTXOs sit here. Test your backup first.

SpendSpend

• Lightning wallets. Daily cash.
• Fund your 5% Weekly and 10% Checking.
• Use one or more—Phoenix, Muun, Wallet of Satoshi.
• Refill monthly from Cache. Swap leftovers (Boltz, FixedFloat) back to Cache.

The FlowThe Flow

• BTC hits Cache → Split it → Hodl locks the big stuff → Spend fuels your day.
• Swap Spend leftovers to Cache. Repeat. Keeps it tight.

Start ItStart It

• Know your BTC. Split it up. Make UTXOs—use Sparrow.
• Fund Spend via Lightning for weekly cash. Cold-store Hodl—hardware wallet, safe.
• Live lean. Spend BTC. Earn BTC. Three banks, one BTC life.

Thanks for reading.