I do think about this a lot, stack maxxing is on my mind constantly and I guess if you have a wife that's working, it's time to get her to take on that second job lol

From a personal standpoint, I live off my credit card since I have 55 days to pay it back interest free, I take my cash and DCA and then just pay off my credit card with my next cheque since I'd rather pay it back with cheaper fiat from the future and acquire the bitcoin buy earlier

It also gives me all these credit card points, which I can exchange for cash or buy something then turn around and sell that thing for sats

I do keep a cash reserve just incase I F that up, so i'm never on the hook, just recycling constantly, the cash gets a little bit of interest so I don't need to keep adding more to it to cover the credit card.

Other than that i'm just working extra hours, and offer a discount if i'm paid directly in bitcoin